---
title: "Basic Investment Loan Fixed IO — Bank Australia"
description: "Home Loans from Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-australia/products/1dd1a713-6b2c-4cf4-b9a5-748193700ca3
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-03T01:22:53.809Z
---

# Basic Investment Loan Fixed IO — Bank Australia

> Home Loans from Bank Australia. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

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

## At a glance

- **From (investment):** 6.64% (6.37% comparison)

## Apply

Applications are handled by the provider: [Apply at Bank Australia](https://apply.bankaust.com.au/cip/bankaustralia/p/bankaustralia/homeloan/application.html)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 6.64% | 6.37% | 1 year - LVR 60% or less |
| Fixed · 1 year | 6.64% | 6.37% | 1 year - LVR 70% or less |
| Fixed · 1 year | 6.64% | 6.37% | 1 year - LVR 80% or less |
| Fixed · 2 years | 6.69% | 6.41% | 2 years - LVR 60% or less |
| Fixed · 2 years | 6.69% | 6.41% | 2 years - LVR 70% or less |
| Fixed · 2 years | 6.69% | 6.41% | 2 years - LVR 80% or less |
| Fixed · 3 years | 6.79% | 6.47% | 3 years - LVR 60% or less |
| Fixed · 3 years | 6.79% | 6.47% | 3 years - LVR 70% or less |
| Fixed · 3 years | 6.79% | 6.47% | 3 years - LVR 80% or less |
| Fixed · 5 years | 6.89% | 6.58% | 5 years - LVR 60% or less |
| Fixed · 5 years | 6.89% | 6.58% | 5 years - LVR 70% or less |
| Fixed · 1 year | 6.94% | 6.63% | 1 year - LVR 90% or less |
| Fixed · 2 years | 6.94% | 6.66% | 2 year - LVR 90% or less |
| Fixed · 3 years | 7.09% | 6.74% | 3 year - LVR 90% or less |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Home Loan Establishment Fee — Payable for all mortgage secured loans to cover Bank Australia administration costs including preparing security documents. | Upfront | $0.00 |
| Rate Lock Fee — Payable when you choose to lock in the fixed rate at application.  0.10% of the total fixed loan amount for approved home loan applications (minimum fee $50). This applies to 1, 2, 3 and 5 year Fixed Rate home loans only and is non-refundable. | Other | 0.1% of balance |
| Portability Fee- New Mortgage — Payable when you request that a property securing a loan is replaced with a property that is a new security to Bank Australia. | Event | $500.00 |
| Break Fee — You may be required to pay a break fee if you pay your fixed loan off in full, make an early repayment or make certain other changes to your loan during any fixed period. The fee is calculated at the time of the event and is specifically related to your individual loan. More information is found in the loan fees and charges document. | Event | $0.00 – $999,999.99 |
| Mortgage Discharge Fee — Payable when you discharge the mortgage. Statutory government registration fees will still apply. | Event | $275.00 |
| Annual fee — Charged yearly | Ongoing | $0.00 |
| 1st Valuation Fee | Event | $0.00 |
| Monthly Fee — Charged monthly | Ongoing | $0.00 |

## Features

- **Digital banking** (You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.)
- **Make your loan repayments monthly**
- **Split loan between variable and fixed is available**
- **Extra repayments** (Additional repayments up to $30,000 during the fixed rate period)

## Eligibility

- **Minimum age** — 18 years (Individuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.)
- **Individuals only** (Not available for non-personal borrowers.)
- **Applications for loans are subject to the Bank's lending criteria.**
- **Residency status** — AU (Australian citizen or permanent resident of Australia)

## Constraints

- **Minimum limit** — $10,000.00

## More information from Bank Australia

- [Overview](https://www.bankaust.com.au/banking/home-loans/basic-home-loan)
- [Terms & conditions](https://www.bankaust.com.au/support/disclosures)
- [Fees & pricing](https://www.bankaust.com.au/banking/home-loans/basic-home-loan)

## Data provenance

- Published by Bank Australia under the Consumer Data Right
- Product ID: `1dd1a713-6b2c-4cf4-b9a5-748193700ca3`
- Last updated by the provider: 3 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-australia/1dd1a713-6b2c-4cf4-b9a5-748193700ca3
- Provider page: https://www.cdrcompare.au/brands/bank-australia
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000150

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-australia/products/1dd1a713-6b2c-4cf4-b9a5-748193700ca3) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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