BankMate

Home loan · 1yr Fixed

Basic Loan Fixed

Rate
Repayments
Deposit

6.61%comparison rate p.a. · 6.79% advertised

1yr Fixed · P&I · Investor · 70–80% LVR

12th of 48 1-year fixed investor P&I loans

Go to Bank Australia

The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$275
Compare all 321 home loans
Compare Bank Australia Basic side by side

1yr Fixed · P&I · Investor · ≤60% LVR
6.61% comparison · 6.79% advertised
1yr Fixed · P&I · Investor · 60–70% LVR
6.61% comparison · 6.79% advertised
1yr Fixed · P&I · Investor · 70–80% LVR
6.61% comparison · 6.79% advertised
1yr Fixed · P&I · Investor · 80–90% LVR
6.87% comparison · 7.09% advertised
1yr Fixed · Interest Only · Investor · ≤60% LVR
6.64% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · 60–70% LVR
6.64% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · 70–80% LVR
6.64% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR
6.90% comparison · 7.34% advertised
2yr Fixed · P&I · Investor · ≤60% LVR
6.64% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · 60–70% LVR
6.64% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · 70–80% LVR
6.64% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · 80–90% LVR
6.89% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · ≤60% LVR
6.69% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · 60–70% LVR
6.69% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · 70–80% LVR
6.69% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
6.94% comparison · 7.34% advertised
3yr Fixed · P&I · Investor · ≤60% LVR
6.69% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 60–70% LVR
6.69% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 70–80% LVR
6.69% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 80–90% LVR
6.96% comparison · 7.24% advertised
3yr Fixed · Interest Only · Investor · ≤60% LVR
6.76% comparison · 7.19% advertised
3yr Fixed · Interest Only · Investor · 60–70% LVR
6.76% comparison · 7.19% advertised
3yr Fixed · Interest Only · Investor · 70–80% LVR
6.76% comparison · 7.19% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
7.03% comparison · 7.49% advertised
5yr Fixed · P&I · Investor · ≤60% LVR
6.79% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 60–70% LVR
6.79% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 70–80% LVR
6.79% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 80–90% LVR
7.05% comparison · 7.29% advertised
5yr Fixed · Interest Only · Investor · ≤60% LVR
6.90% comparison · 7.29% advertised
5yr Fixed · Interest Only · Investor · 60–70% LVR
6.90% comparison · 7.29% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$275

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$10,000

  • Basic Loan Fixed · 1yr Fixed · P&I · Investor
  • RBA cash rate
5.006.00SepOctToday6.61% p.a. today

October 20262 changes

  1. 16Fri
    • 14 variants up 0.14 to 0.2316 days after the RBA rise to 4.60%
      All Interest Only · Investor
      1yr Fixed · ≤60% LVR6.426.64+0.22
      1yr Fixed · 60–70% LVR6.426.64+0.22
      1yr Fixed · 70–80% LVR6.426.64+0.22
      1yr Fixed · 80–90% LVR6.676.90+0.23
      2yr Fixed · ≤60% LVR6.496.69+0.20
      2yr Fixed · 60–70% LVR6.496.69+0.20
      2yr Fixed · 70–80% LVR6.496.69+0.20
      2yr Fixed · 80–90% LVR6.746.94+0.20
      3yr Fixed · ≤60% LVR6.586.76+0.18
      3yr Fixed · 60–70% LVR6.586.76+0.18
      3yr Fixed · 70–80% LVR6.586.76+0.18
      3yr Fixed · 80–90% LVR6.857.03+0.18
      5yr Fixed · ≤60% LVR6.766.90+0.14
      5yr Fixed · 60–70% LVR6.766.90+0.14
      +0.14 to +0.23
    • 16 variants up 0.14 to 0.2216 days after the RBA rise to 4.60%
      All P&I · Investor
      1yr Fixed · ≤60% LVR6.396.61+0.22
      1yr Fixed · 60–70% LVR6.396.61+0.22
      1yr Fixed · 70–80% LVR6.396.61+0.22
      1yr Fixed · 80–90% LVR6.656.87+0.22
      2yr Fixed · ≤60% LVR6.446.64+0.20
      2yr Fixed · 60–70% LVR6.446.64+0.20
      2yr Fixed · 70–80% LVR6.446.64+0.20
      2yr Fixed · 80–90% LVR6.696.89+0.20
      3yr Fixed · ≤60% LVR6.526.69+0.17
      3yr Fixed · 60–70% LVR6.526.69+0.17
      3yr Fixed · 70–80% LVR6.526.69+0.17
      3yr Fixed · 80–90% LVR6.786.96+0.18
      5yr Fixed · ≤60% LVR6.656.79+0.14
      5yr Fixed · 60–70% LVR6.656.79+0.14
      5yr Fixed · 70–80% LVR6.656.79+0.14
      5yr Fixed · 80–90% LVR6.917.05+0.14
      +0.14 to +0.22

September 20262 changes

  1. 19Sat
    • 14 variants up 0.04 to 0.18
      All Interest Only · Investor
      1yr Fixed · ≤60% LVR6.376.42+0.05
      1yr Fixed · 60–70% LVR6.376.42+0.05
      1yr Fixed · 70–80% LVR6.376.42+0.05
      1yr Fixed · 80–90% LVR6.636.67+0.04
      2yr Fixed · ≤60% LVR6.416.49+0.08
      2yr Fixed · 60–70% LVR6.416.49+0.08
      2yr Fixed · 70–80% LVR6.416.49+0.08
      2yr Fixed · 80–90% LVR6.666.74+0.08
      3yr Fixed · ≤60% LVR6.476.58+0.11
      3yr Fixed · 60–70% LVR6.476.58+0.11
      3yr Fixed · 70–80% LVR6.476.58+0.11
      3yr Fixed · 80–90% LVR6.746.85+0.11
      5yr Fixed · ≤60% LVR6.586.76+0.18
      5yr Fixed · 60–70% LVR6.586.76+0.18
      +0.04 to +0.18
    • 16 variants up 0.04 to 0.18
      All P&I · Investor
      1yr Fixed · ≤60% LVR6.356.39+0.04
      1yr Fixed · 60–70% LVR6.356.39+0.04
      1yr Fixed · 70–80% LVR6.356.39+0.04
      1yr Fixed · 80–90% LVR6.606.65+0.05
      2yr Fixed · ≤60% LVR6.366.44+0.08
      2yr Fixed · 60–70% LVR6.366.44+0.08
      2yr Fixed · 70–80% LVR6.366.44+0.08
      2yr Fixed · 80–90% LVR6.616.69+0.08
      3yr Fixed · ≤60% LVR6.406.52+0.12
      3yr Fixed · 60–70% LVR6.406.52+0.12
      3yr Fixed · 70–80% LVR6.406.52+0.12
      3yr Fixed · 80–90% LVR6.676.78+0.11
      5yr Fixed · ≤60% LVR6.486.65+0.17
      5yr Fixed · 60–70% LVR6.486.65+0.17
      5yr Fixed · 70–80% LVR6.486.65+0.17
      5yr Fixed · 80–90% LVR6.736.91+0.18
      +0.04 to +0.18

Our Basic Investment Loan is anything but, with low fees and feel-good features. With the certainty of a fixed rate.

Also from Bank Australia: Basic Home Loan 6.39% · Basic Home Loan Fixed 6.42% · Basic Loan 6.59% · Offset Home Loan Fixed 6.60% · Offset Home Loan 6.62% · Offset Loan 6.68% · Offset Loan Fixed 6.71%

As of 3 November 2026, the Bank Australia Basic Loan Fixed's 1-year fixed investor P&I variant has a comparison rate of 6.61% (6.79% advertised), ranking 12th of 48 1-year fixed investor P&I loans. The product comes in 30 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate last moved on 16 October 2026, 16 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.