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Bank Australia · Home loan · 1yr Fixed
LiveBasic Home Loan Fixed
As of 18 September 2026, the Bank Australia Basic Home Loan Fixed's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.16% (6.34% advertised), ranking 4th of 49 1-year fixed owner-occupier P&I loans. The product comes in 20 variants; the others are other fixed terms and other LVR bands.
6.16%comparison rate p.a.
6.34% advertised · 1yr Fixed · P&I · Owner-occupier · 70–80% LVR
19 other variants: other fixed terms and other LVR bands below.
Rate over time
Comparison rate · 1yr Fixed · P&I · Owner-occupier · 70–80% LVR- Basic Home Loan Fixed · 1yr Fixed · P&I · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.16% comparison · 6.34% advertised
- 1yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.16% comparison · 6.34% advertised
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.16% comparison · 6.34% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.42% comparison · 6.64% advertised
- 1yr Fixed · P&I · Owner-occupier · 90–90% LVR
- 6.65% comparison · 6.64% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.19% comparison · 6.39% advertised
- 2yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.19% comparison · 6.39% advertised
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.19% comparison · 6.39% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.44% comparison · 6.64% advertised
- 2yr Fixed · P&I · Owner-occupier · 90–90% LVR
- 6.66% comparison · 6.69% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.24% comparison · 6.49% advertised
- 3yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.24% comparison · 6.49% advertised
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.24% comparison · 6.49% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.51% comparison · 6.79% advertised
- 3yr Fixed · P&I · Owner-occupier · 90–90% LVR
- 6.69% comparison · 6.79% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤60% LVR
- 6.34% comparison · 6.59% advertised
- 5yr Fixed · P&I · Owner-occupier · 60–70% LVR
- 6.34% comparison · 6.59% advertised
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.34% comparison · 6.59% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.62% comparison · 6.89% advertised
- 5yr Fixed · P&I · Owner-occupier · 90–90% LVR
- 6.76% comparison · 6.89% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
Features
Headline variant- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- Yes
Eligibility
- Minimum loan
- $10,000
About this product
Our Basic Home Loan is anything but, with a low rate, low fees and feel-good features. With the certainty of a fixed rate.