---
title: "Gold Prime Residential Basic Home Loans — BNK Bank (Goldfields Money/BCHL)"
description: "Home Loans from BNK Bank (Goldfields Money/BCHL). Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl/products/2001
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-10T20:00:00.735142Z
---

# Gold Prime Residential Basic Home Loans — BNK Bank (Goldfields Money/BCHL)

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

**Home Loans**

The Better Choice Gold Special Basic Variable Home Loan offers a standard variable loan. Available up to 80% LVR, this loan suits borrowers that
are looking for flexibility with their home loan and investment properties

## At a glance

- **From (owner occupied):** 6.05% (6.08% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Basic OO P&I Up to 70% LVR · Rate applied to new Gold Prime Basic Residential home loans) | 6.05% | 6.08% | LVR equal to or less than 70%; Loan Amount $100,000–$2,000,000 |
| Variable (Basic OO P&I Up to 80% LVR · Rate applied to new Gold Prime Basic Residential home loans) | 6.1% | 6.13% | LVR above 70% and equal to or less than 80%; Loan Amount $100,000–$2,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Basic INV P&I Up to 70% LVR · Rate applied to new Gold Prime Basic Residential home loans) | 6.25% | 6.34% | LVR equal to or less than 70%; Loan Amount $100,000–$2,000,000 |
| Variable (Basic INV P&I Up to 80% LVR · Rate applied to new Gold Prime Basic Residential home loans) | 6.3% | 6.39% | LVR above 70% and equal to or less than 80%; Loan Amount $100,000–$2,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Basic INV IO Up to 70% LVR · Rate applied to new Gold Prime Basic Residential home loans) | 6.4% | 6.49% | LVR equal to or less than 70%; Loan Amount $100,000–$2,000,000 |
| Variable (Basic INV IO Up to 80% LVR · Rate applied to new Gold Prime Basic Residential home loans) | 6.45% | 6.54% | LVR above 70% and equal to or less than 80%; Loan Amount $100,000–$2,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Valuation costs — This fee is incurred for existing loans when they increase on an existing Loan | Event | From $1.00 |
| Substitution of Security: Valuation Fees — Substitution of Security | Event | From $1.00 |
| Loan Top Up — This fee is incurred when a customer requests an increase for an existing loan | Event | $350.00 |
| Solicitors Fees — This fee is incurred for existing loans when they increase on an existing Loan | Event | $350.00 |
| Conversion: Variation Fee  — This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc | Event | $250.00 |
| Conversion: Funder Fee — This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc | Event | $250.00 |
| Substitution of Security: Funder Fee — Substitution of Security | Event | $250.00 |
| Other Fees: Document Custody Fee | Event | $25.00 |
| Discharge (Full or partial) — Discharging a loan | Exit | $350.00 |
| Substitution of Security: Solicitor Fees | Event | From $1.00 |
| Discharge (Full or Partial): Solicitor Fees — Solicitor Fees for Discharge (Full or Partial) | Exit | From $1.00 |
| Annual Fee — Charged every 12 months · Annual fee for investment loans only | Ongoing | $299.00 |
| Document Handling Fee — Document fee at the beginning of the loan | Upfront | $25.00 |
| Discharge Fee — Discharge fee to close/discharge the loan | Exit | $350.00 |
| Solicitors Fees — Solicitors Fees | Upfront | $330.00 |
| Application Fee — Application Fee for Investment Loan | Upfront | $295.00 |
| Valuation Fees — Valuation Fee to access the cost of the purchase property | Upfront | From $1.00 |
| Solicitors Fees — Solicitors Fees · Discount −$330.00 — Waived for OO Loans (eligibility: Other:  Offer for OO Loans ) | Upfront | $330.00 |
| Application Fee — Application Fee for Owner Occupied Loan · Discount −$295.00 — Fee waived for OO Loans (eligibility: Other: Offer for OO Loans ) | Upfront | $295.00 |
| Discharge Fee — Discharge fee to close/discharge the loan | Exit | $350.00 |
| Document Handling Fee — Document fee at the beginning of the loan | Upfront | $25.00 |
| Valuation Fees — Discount −$275.00 — Valuation Fee refund (eligibility: Other: Only available on OO Loans) | Upfront | From $1.00 |

## Features

- **Digital banking** (Free internet and telephone transacting )
- **Extra repayments** (If you have a variable loan you can make as many extra payments as you want, with no penalty at anytime )
- **Pay interest only. You can pay just the interest for up to 5 years if its an investment property.**
- **Pay weekly, fortnightly or monthly**
- **Redraw facility**

## Eligibility

- **Business customers** (Be a company and meet the following requirements:
- Satisfactory investigation by BNK; and
- Company borrowing being supported by the personal guarantee of the director(s). Guarantees from companies & trusts are not acceptable;)
- **Business customers** ( Be an Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a non-trading entity) and the family trust beneficiaries are all individuals)
- **Provide sufficient security and provide satisfactory assessment in accordance with Better Choice’s credit assessment criteria**
- **Employment status** — Yes (Entity must be able to provide a stable income to make repayments on the loan)
- **Minimum age** — 18 years
- **Residency status** — An Australian citizen, permanent resident or Australian resident for tax purposes (be an Australian citizen or Australian permanent resident (limited exceptions may apply subject to conditions))

## Constraints

- **Maximum balance** — $2,000,000.00 (Max loan balance is $2,000,000)
- **Minimum balance** — $100,000.00 (Minimum value for a loan is $100,000)

## Data provenance

- Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right
- Product ID: `2001`
- Last updated by the provider: 10 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bnk-bank-goldfields-money-bchl/2001
- Provider page: https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000451

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl/products/2001) — 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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