Customs Value Home Loan

Helping Border Officers with a low rate home loan that has a great range of features to help pay off your home sooner.

From (owner occupied): 6.04%; 6.11% comparison

Interest Rates

Owner occupied — Principal & interest

Type	Rate	Comparison	Applies To
Variable Owner Occupied P&I LVR<60% C13	6.04%	6.11%	<60
Variable Owner Occupied P&I LVR 60%-90% C14	6.09%	6.16%	0.6–0.9%
Fixed · 3 years Owner Occupied P&I LVR<60% 3 Yr C13	6.14%	6.14%	<60
Fixed · 3 years Owner Occupied P&I LVR 60%-90% 3 Yr C14	6.14%	6.18%	0.6–0.9%
Fixed · 1 year Owner Occupied P&I LVR<60% 1 Yr C13	6.24%	6.13%	<60

Fees

Fee	Type	Amount
Monthly Product Split Fee Charged monthly · $7 per additional product per month during the period of the split, debited to the account for the other product each month.	Ongoing	$7.00
Mortgage Discharge Fee Payable when you ask us to prepare a discharge of mortgage. Note: This fee does not include registration costs for the land titles office	Exit	$294.00
Additional Statement Fee $5.00 + $1.50 per page, payable when you request an additional statement.	Other	From $0.00
Excess Valuation Fee At Cost. Payable if and when the costs of valuing your security property/ies exceeds $300 in aggregate over the term of the loan. Calculated as an amount of the excess.	Event	From $0.00
Establishment fee	Upfront	$600.00
Arrears Letter Fee Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract.	Event	$6.50

Features

Redraw facility: Fee Free redraw
Offset account: Not Available for Fixed Loans or Interest Only
Available for ACT Land Rent Scheme
Extra repayments: Unlimited free additional repayments - Up to $9,999 per calendar year for the fixed term
Confirmation Of Payee
Split loan

Eligibility

Individuals only
Minimum age — 18 years
Residency status — Australian Residents
Border Value Home Loan only available to current serving Border Officers or a Retired Border Officer(s) who are a member of a Union that is associated with the Border Federation of Australia. This includes NSW Border Association (including Associate members), and the Australian Federal Border Association.
Residency status — Australian Citizen

Constraints

Minimum limit — $50,000.00
Maximum LVR — 95%

More Information

Published by Border Bank under the Consumer Data Right · Last updated 19 May 2026 · Product ID 83030c82-5966-4078-b05d-31174b7bdac9 · View on CDR.gov.au

Type	Rate	Comparison	Applies To
Fixed · 3 years Owner Occupied IO LVR<60% 3 Yr C13	6.29%	6.18%	<60
Fixed · 3 years Owner Occupied IO LVR 60%-90% 3 Yr C14	6.29%	6.22%	0.6–0.9%
Variable Owner Occupied IO LVR<60% C13	6.34%	6.24%	<60
Fixed · 1 year Owner Occupied IO LVR<60% 1 Yr C13	6.39%	6.15%	<60
Fixed · 2 years Owner Occupied IO LVR<60% 2 Yr C13	6.39%	6.18%	<60
Variable Owner Occupied IO LVR 60%-90% C14	6.39%	6.29%	0.6–0.9%
Fixed · 1 year Owner Occupied IO LVR 60%-90% 1 Yr C14	6.39%	6.19%	0.6–0.9%
Fixed · 2 years Owner Occupied IO LVR 60%-90% 2 Yr C14	6.39%	6.22%	0.6–0.9%
Fixed · 3 years Owner Occupied IO LVR>90% 3 Yr C9	6.39%	6.42%	0.9–0.95%
Fixed · 3 years Owner Occupied IO LVR=90% 3 Yr C4 ACT Land Rent Scheme	6.39%	6.42%	<90
Variable Owner Occupied IO LVR>90% C9	6.44%	6.45%	0.9–0.95%
Variable Owner Occupied IO LVR=90% C4 ACT Land Rent Scheme	6.44%	6.45%	<90
Fixed · 1 year Owner Occupied IO LVR>90% 1 Yr C9	6.49%	6.43%	0.9–0.95%
Fixed · 2 years Owner Occupied IO LVR>90% 2 Yr C9	6.49%	6.44%	0.9–0.95%
Fixed · 1 year Owner Occupied IO LVR=90% 1 Yr C4 ACT Land Rent Scheme	6.49%	6.43%	<90
Fixed · 2 years Owner Occupied IO LVR=90% 2 Yr C4 ACT Land Rent Scheme	6.49%	6.44%	<90
Fixed · 5 years Owner Occupied IO LVR<60% 5 Yr C13	6.69%	6.39%	<60
Fixed · 5 years Owner Occupied IO LVR 60%-90% 5 Yr C14	6.74%	6.44%	0.6–0.9%
Fixed · 5 years Owner Occupied IO LVR>90% 5 Yr C9	6.94%	6.67%	0.9–0.95%
Fixed · 5 years Owner Occupied IO LVR=90% 5 Yr C4 ACT Land Rent Scheme	6.94%	6.67%	<90
Variable Owner Occupied IO Bridging Loan C11	7.09%	6.24%	<80

Type	Rate	Comparison	Applies To
Variable Investment P&I LVR<60% C15	6.24%	6.31%	<60
Fixed · 3 years Investment P&I LVR<60% 3 Yr C15	6.29%	6.33%	<60
Variable Investment P&I LVR 60% - <80% C16	6.29%	6.36%	0.6–0.8%
Fixed · 3 years Investment P&I LVR 60% - <80% 3 Yr C16	6.29%	6.36%	0.6–0.8%
Fixed · 1 year Investment P&I LVR<60% 1 Yr C15	6.39%	6.33%	<60
Fixed · 2 years Investment P&I LVR<60% 2 Yr C15	6.39%	6.34%	<60
Fixed · 1 year Investment P&I LVR 60% - <80% 1 Yr C16	6.39%	6.37%	0.6–0.8%
Fixed · 2 years Investment P&I LVR 60% - <80% 2 Yr C16	6.39%	6.38%	0.6–0.8%
Fixed · 3 years Investment P&I LVR 80%-90% 3 Yr C17	6.39%	6.5%	0.8–0.9%
Variable Investment P&I LVR 80%-90% C17	6.44%	6.51%	0.8–0.9%
Fixed · 1 year Investment P&I LVR 80%-90% 1 Yr C17	6.49%	6.52%	0.8–0.9%
Fixed · 2 years Investment P&I LVR 80%-90% 2 Yr C17	6.49%	6.52%	0.8–0.9%
Fixed · 5 years Investment P&I LVR<60% 5 Yr C15	6.59%	6.47%	<60
Fixed · 5 years Investment P&I LVR 60% - <80% 5 Yr C16	6.64%	6.52%	0.6–0.8%
Fixed · 5 years Investment P&I LVR 80%-90% 5 Yr C17	6.79%	6.67%	0.8–0.9%

Type	Rate	Comparison	Applies To
Variable Investment IO LVR<60% C15	6.39%	6.37%	<60
Fixed · 3 years Investment IO LVR<60% 3 Yr C15	6.39%	6.35%	<60
Fixed · 3 years Investment IO LVR 60% - <80% 3 Yr C16	6.39%	6.39%	0.6–0.8%
Variable Investment IO LVR 60% - <80% C16	6.44%	6.42%	0.6–0.8%
Fixed · 1 year Investment IO LVR<60% 1 Yr C15	6.49%	6.34%	<60
Fixed · 2 years Investment IO LVR<60% 2 Yr C15	6.49%	6.36%	<60
Fixed · 1 year Investment IO LVR 60% - <80% 1 Yr C16	6.49%	6.38%	0.6–0.8%
Fixed · 2 years Investment IO LVR 60% - <80% 2 Yr C16	6.49%	6.4%	0.6–0.8%
Variable Investment IO LVR 80%-90% C17	6.49%	6.53%	0.8–0.9%
Fixed · 3 years Investment IO LVR 80%-90% 3 Yr C17	6.49%	6.53%	0.8–0.9%
Fixed · 1 year Investment IO LVR 80%-90% 1 Yr C17	6.59%	6.53%	0.8–0.9%
Fixed · 2 years Investment IO LVR 80%-90% 2 Yr C17	6.59%	6.54%	0.8–0.9%
Fixed · 5 years Investment IO LVR<60% 5 Yr C15	6.74%	6.52%	<60
Fixed · 5 years Investment IO LVR 60% - <80% 5 Yr C16	6.79%	6.57%	0.6–0.8%
Fixed · 5 years Investment IO LVR 80%-90% 5 Yr C17	6.94%	6.73%	0.8–0.9%