---
title: "Goldrate Home Loan — Border Bank"
description: "Home Loans from Border Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/border-bank/products/cdd82e86-17c9-40be-a28a-a99f8c7d991f
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T01:43:28.136Z
---

# Goldrate Home Loan — Border Bank

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

**Home Loans**

Our low rate home loan comes with a great range of features to help you pay off your home sooner.

## At a glance

- **From (owner occupied):** 6.09% (6.16% comparison)

## Apply

Applications are handled by the provider: [Apply at Border Bank](https://www.borderbank.com.au/loans/home-loans)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner Occupied P&I LVR<60% C13) | 6.09% | 6.16% | <60 |
| Variable (Owner Occupied P&I LVR 60%-80% C14) | 6.14% | 6.21% | 60-80 |
| Fixed · 3 years (Owner Occupied P&I LVR<60% 3 Yr C13) | 6.24% | 6.21% | <60 |
| Fixed · 3 years (Owner Occupied P&I LVR 60%-80% 3 Yr C14) | 6.24% | 6.24% | 60-80 |
| Fixed · 1 year (Owner Occupied P&I LVR<60% 1 Yr C13) | 6.34% | 6.19% | <60 |
| Fixed · 2 years (Owner Occupied P&I LVR<60% 2 Yr C13) | 6.34% | 6.21% | <60 |
| Fixed · 1 year (Owner Occupied P&I LVR 60%-80% 1 Yr C14) | 6.34% | 6.23% | 60-80 |
| Fixed · 2 years (Owner Occupied P&I LVR 60%-80% 2 Yr C14) | 6.34% | 6.25% | 60-80 |
| Fixed · 3 years (Owner Occupied P&I LVR>80% 3 Yr C7) | 6.34% | 6.45% | 80-95 |
| Fixed · 3 years (Owner Occupied P&I LVR=90% 3 Yr C10 ACT Land Rent Scheme) | 6.34% | 6.45% | <90 |
| Variable (Owner Occupied P&I LVR>80% C7) | 6.39% | 6.46% | 80-95 |
| Variable (Owner Occupied P&I =90% C11 ACT Land Rent Scheme) | 6.39% | 6.46% | <90 |
| Fixed · 1 year (Owner Occupied P&I LVR>80% 1 Yr C7) | 6.44% | 6.47% | 80-95 |
| Fixed · 2 years (Owner Occupied P&I LVR>80% 2 Yr C7) | 6.44% | 6.47% | 80-95 |
| Fixed · 1 year (Owner Occupied P&I LVR=90% 1 Yr C10 ACT Land Rent Scheme) | 6.44% | 6.47% | <90 |
| Fixed · 2 years (Owner Occupied P&I LVR=90% 2 Yr C10 ACT Land Rent Scheme) | 6.44% | 6.47% | <90 |
| Fixed · 5 years (Owner Occupied P&I LVR<60% 5 Yr C13) | 6.59% | 6.38% | <60 |
| Fixed · 5 years (Owner Occupied P&I LVR 60%-80% 5 Yr C14) | 6.64% | 6.43% | 60-80 |
| Fixed · 5 years (Owner Occupied P&I LVR>80% 5 Yr C7) | 6.79% | 6.64% | 80-95 |
| Fixed · 5 years (Owner Occupied P&I LVR=90% 5 Yr C10 ACT Land Rent Scheme) | 6.79% | 6.64% | <90 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner Occupied IO LVR<60% C13) | 6.39% | 6.29% | <60 |
| Fixed · 3 years (Owner Occupied IO LVR<60% 3 Yr C13) | 6.39% | 6.24% | <60 |
| Fixed · 3 years (Owner Occupied IO LVR 60%-80% 3 Yr C14) | 6.39% | 6.28% | 60-80 |
| Variable (Owner Occupied IO LVR 60%-80% C14) | 6.44% | 6.34% | 60-80 |
| Fixed · 1 year (Owner Occupied IO LVR<60% 1 Yr C13) | 6.49% | 6.2% | <60 |
| Fixed · 2 years (Owner Occupied IO LVR<60% 2 Yr C13) | 6.49% | 6.24% | <60 |
| Fixed · 1 year (Owner Occupied IO LVR 60%-80% 1 Yr C14) | 6.49% | 6.25% | 60-80 |
| Fixed · 2 years (Owner Occupied IO LVR 60%-80% 2 Yr C14) | 6.49% | 6.28% | 60-80 |
| Variable (Owner Occupied IO LVR>80% C7) | 6.49% | 6.5% | 80-95 |
| Fixed · 3 years (Owner Occupied IO LVR>80% 3 Yr C7) | 6.49% | 6.49% | 80-95 |
| Variable (Owner Occupied IO LVR=90% C10 ACT Land Rent Scheme) | 6.49% | 6.5% | <90 |
| Fixed · 3 years (Owner Occupied IO LVR=90% 3 Yr C10 ACT Land Rent Scheme) | 6.49% | 6.49% | <90 |
| Fixed · 1 year (Owner Occupied IO LVR>80% 1 Yr C7) | 6.59% | 6.48% | 80-95 |
| Fixed · 2 years (Owner Occupied IO LVR>80% 2 Yr C7) | 6.59% | 6.5% | 80-95 |
| Fixed · 1 year (Owner Occupied IO LVR=90% 1 Yr C10 ACT Land Rent Scheme) | 6.59% | 6.48% | <90 |
| Fixed · 2 years (Owner Occupied IO LVR=90% 2 Yr C10 ACT Land Rent Scheme) | 6.59% | 6.5% | <90 |
| Fixed · 5 years (Owner Occupied IO LVR<60% 5 Yr C13) | 6.79% | 6.46% | <60 |
| Fixed · 5 years (Owner Occupied IO LVR 60%-80% 5 Yr C14) | 6.84% | 6.51% | 60-80 |
| Fixed · 5 years (Owner Occupied IO LVR>80% 5 Yr C7) | 7.04% | 6.74% | 80-95 |
| Fixed · 5 years (Owner Occupied IO LVR=90% 5 Yr C10 ACT Land Rent Scheme) | 7.04% | 6.74% | <90 |
| Variable (Bridging Loan up to 80% C9) | 7.09% | 6.33% | <80 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investment P&I LVR<60% C8) | 6.29% | 6.36% | <60 |
| Variable (Investment P&I LVR 60% -<80% C15) | 6.34% | 6.41% | 60-80 |
| Fixed · 3 years (Investment P&I LVR<60% 3 Yr C8) | 6.39% | 6.39% | <60 |
| Fixed · 3 years (Investment P&I LVR 60% -<80% 3 Yr C15) | 6.39% | 6.43% | 60-80 |
| Fixed · 1 year (Investment P&I LVR<60% 1 Yr C8) | 6.49% | 6.38% | <60 |
| Fixed · 2 years (Investment P&I LVR<60% 2 Yr C8) | 6.49% | 6.4% | <60 |
| Fixed · 1 year (Investment P&I LVR 60% -<80% 1 Yr C15) | 6.49% | 6.43% | 60-80 |
| Fixed · 2 years (Investment P&I LVR 60% -<80% 2 Yr C15) | 6.49% | 6.44% | 60-80 |
| Variable (Investment P&I LVR 80%-90% C16) | 6.49% | 6.56% | 80-90 |
| Fixed · 3 years (Investment P&I LVR 80%-90% 3 Yr C16) | 6.49% | 6.56% | 80-90 |
| Fixed · 1 year (Investment P&I LVR 80%-90% 1 Yr C16) | 6.59% | 6.58% | 80-90 |
| Fixed · 2 years (Investment P&I LVR 80%-90% 2 Yr C16) | 6.59% | 6.58% | 80-90 |
| Fixed · 5 years (Investment P&I LVR<60% 5 Yr C8) | 6.69% | 6.54% | <60 |
| Fixed · 5 years (Investment P&I LVR 60% -<80% 5 Yr C15) | 6.74% | 6.59% | 60-80 |
| Fixed · 5 years (Investment P&I LVR 80%-90% 5 Yr C16) | 6.89% | 6.74% | 80-90 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investment IO LVR<60% C8) | 6.44% | 6.42% | <60 |
| Fixed · 3 years (Investment IO LVR<60% 3 Yr C8) | 6.49% | 6.42% | <60 |
| Variable (Investment IO LVR 60% -<80% C15) | 6.49% | 6.47% | 60-80 |
| Fixed · 3 years (Investment IO LVR 60% -<80% 3 Yr C15) | 6.49% | 6.45% | 60-80 |
| Variable (Investment IO LVR 80%-90% C16) | 6.54% | 6.58% | 80-90 |
| Fixed · 1 year (Investment IO LVR<60% 1 Yr C8) | 6.59% | 6.39% | <60 |
| Fixed · 2 years (Investment IO LVR<60% 2 Yr C8) | 6.59% | 6.42% | <60 |
| Fixed · 1 year (Investment IO LVR 60% -80% 1 Yr C15) | 6.59% | 6.44% | 60-80 |
| Fixed · 2 years (Investment IO LVR 60% -<80% 2 Yr C15) | 6.59% | 6.46% | 60-80 |
| Fixed · 3 years (Investment IO LVR 80%-90% 3 Yr C16) | 6.59% | 6.59% | 80-90 |
| Fixed · 1 year (Investment IO LVR 80%-90% 1 Yr C16) | 6.69% | 6.58% | 80-90 |
| Fixed · 2 years (Investment IO LVR 80%-90% 2 Yr C16) | 6.69% | 6.6% | 80-90 |
| Fixed · 5 years (Investment IO LVR<60% 5 Yr C8) | 6.84% | 6.6% | <60 |
| Fixed · 5 years (Investment IO LVR 60% -<80% 5 Yr C15) | 6.89% | 6.65% | 60-80 |
| Fixed · 5 years (Investment IO LVR 80%-90% 5 Yr C16) | 7.04% | 6.8% | 80-90 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Substituting Securities fee — Payable to us when you substitute an existing property with a new property as security for your home loan. | Event | $315.00 |
| Legal/Securities fees — At Cost. | Event | From $0.00 |
| Stamp Duty Increase Fee — At Cost. Payable at the rate charged by the Office of State Revenue or its interstate counterparts when topping up an existing loan where the original stamp duty is not sufficient; when payable by law. | Event | From $0.00 |
| Fixed Rate Lock Fee | Event | $600.00 |
| Substituting of Security Legal fee — Payable to us when you substitute an existing property with a new property as security for your home loan. | Event | $605.00 |
| 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 |
| Consent to Subdivision Fee — Payable when you ask for our consent to register a subdivision or other plan or dealing. | Event | $162.00 |
| 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 |
| Bridging Home Loan Establishment Fee — For Bridging Loans only | Event | $880.00 |
| Late Payment Fee — Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts | Late payment | $10.00 |
| Second Mortgage Consent Fee — Payable when you ask us to consent to a second mortgage | Event | $75.00 |
| Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — At Cost. Payable to our solicitors when we incur costs in the enforcement of your contract. The costs may include court costs, legal costs, repossession costs and administrative costs. | Event | From $0.00 |
| Default Notice Fee — Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter. | Event | $21.50 |
| PPSR Fees (Personal Properties Security Register) — At Cost. Certain loans will require us to use the services of PPSR. If we do so, the following may be payable; PPSR Registration Fee, PPSR Financier Interest Enquiry and PPSR Variation of Interest. | Event | From $0.00 |
| Production of Title Fee — Payable to our solicitors when you ask us to produce the certificate of title of your property to enable registration of a plan or any document dealing with your property | Event | $110.00 |
| Establishment fee | Upfront | $600.00 |
| Additional Statement Fee — $5.00 + $1.50 per page, payable when you request an additional statement. | Other | From $0.00 |
| General Consent Fee — Payable when you ask for our consent to any matter relating to a loan contract or security (other than a matter for which a separate fee is payable). | Event | $250.00 |
| Other Government Duties & Taxes — At Cost. Any applicable Government Taxes, Duties and Fees will be passed on to you. | Event | 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 |
| Arrears Letter Fee — Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract. | Event | $6.50 |
| Other Legal/ Solicitors Fees — At Cost. Payable to our solicitors when you ask us to take any action in respect of the loan or your property and we incur legal fees. | Event | From $0.00 |
| Insurance — At Cost. Insurance requirements may vary from applicant to applicant. Any compulsory insurance requirements will be advised on application. For example, you may be required to pay for Lenders Mortgage Insurance; and must pay mortgage property and Motor Vehicle Insurance. | Event | From $0.00 |
| Additional Valuation Fee — At Cost. Payable to our valuer if more than one security is required for your loan and/or when application is made for additional finance and/or altering the title of the property or the property itself and Police Bank Loan policy dictates that a subsequent valuation is required. | Event | From $0.00 |
| Third Party Costs — Any other costs charged to us by a third party will be passed on to you. Some examples are as follows: • Title Change Fee • Land and Property Information Search Fees • Land and Property Information Registration Fees | Other | From $0.00 |
| Stamp Duty — At Cost. Payable at the rate charged by the Office of State Revenue or its interstate counterparts when payable by law. | Event | From $0.00 |
| RTGS Transfer Fee — Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor. | Event | $10.50 |
| Issue of Statutory Default Notice Legal Fees | Dishonour | From $0.00 |
| Pest & Building Inspections Fees — At Cost. Payable to inspectors if we require a pest or building inspection. | Event | From $0.00 |
| Mortgage Loan Top Up / Increase in Credit Limit Fee — Payable on application or funding. Applies to all Home Loan Applications | Event | $315.00 |
| Independent Legal Advice/Interpreter Service — At Cost. You may be advised to seek independent legal advice or interpreter services. If so, you will be charged a fee by the service provider. | Event | From $0.00 |
| Early Repayment Fee — Early Repayment Fee payable, if, during any fixed rate period, you: (a)	repay the whole of your unpaid balance (full early repayment); (b)	pay $5000 or more in repayments above the contractual repayments (partial early repayment); or (c)	become obliged to repay the whole loan after you have defaulted (full early repayment) and the fixed rate that applied to the loan is more than the prevailing market interest rate at the time of the early repayment, as determined by us in our absolute discretion. | Other | From $0.00 |

## Features

- **Available for the ACT Land Rent Scheme**
- **Offset account** (Not Available for Fixed Loans or Interest Only)
- **No Monthly Account Keeping Fees**
- **Extra repayments** (Unlimited free additional repayments - Up to $9,999 per calendar year for the fixed term)
- **Redraw facility** (Fee Free redraw)
- **Confirmation Of Payee**
- **Split loan**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Australian Residents
- **Residency status** — Australian Citizen

## Constraints

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

## More information from Border Bank

- [Overview](https://www.borderbank.com.au/loans/home-loans)
- [Eligibility](https://cdn.mediavalet.com/aunsw/policebank/xrHRyHctxk-XHrB-AunzQA/EshtTAnTAE2FRPW2wVZCTg/Original/PBL21_Goldrate-Home-Loan-TMD.pdf)
- [Fees & pricing](https://www.borderbank.com.au/important-documents)

## Data provenance

- Published by Border Bank under the Consumer Data Right
- Product ID: `cdd82e86-17c9-40be-a28a-a99f8c7d991f`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/border-bank/cdd82e86-17c9-40be-a28a-a99f8c7d991f
- Provider page: https://www.cdrcompare.au/brands/border-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000392

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/border-bank/products/cdd82e86-17c9-40be-a28a-a99f8c7d991f) — 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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