---
title: "Basic Investment Loan 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/b6b85d51-8909-40b2-8bd4-4e165ad06f3c
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-03T01:22:56.222Z
---

# Basic Investment Loan 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 a low rate, low fees and feel-good features. With Interest Only repayments.

## At a glance

- **From (investment):** 6.59% (6.45% 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 |
| --- | --- | --- | --- |
| Variable | 6.59% | 6.45% | LVR 60% or less |
| Variable | 6.59% | 6.45% | LVR 70% or less |
| Variable | 6.59% | 6.45% | LVR 80% or less |
| Variable | 6.84% | 6.7% | 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 |
| 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 |
| 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** (You can make extra repayments on variable rate loans)

## 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: `b6b85d51-8909-40b2-8bd4-4e165ad06f3c`
- Last updated by the provider: 3 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-australia/b6b85d51-8909-40b2-8bd4-4e165ad06f3c
- 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/b6b85d51-8909-40b2-8bd4-4e165ad06f3c) — 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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