Bank Australia Home Loan Rates - November 2024

Minimum deposit

Loan type & Term

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

Spencer Lawson

QLD4300

Australian Credit Licence: 392200

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Spencer is a mortgage broker with a passion to help individuals and families achieve their home ownership dreams. With o...

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Tony Hoang

NSW2000

Customer Representative Number: 392035

5.0

136 Google reviews

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Tony Hoang stands as a seasoned finance professional, boasting a robust decade-plus-long career that includes pivotal ro...

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Benjamin Dent

QLD4000

Australian Credit Licence: 392200

Get expert advice from a home loans specialist.

I'm Ben, and I've been immersed in the world of mortgage broking since 2007. Over the years, I've had the privilege of w...

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Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

6.39%

6.71%

$2,339

Australian Credit Licence 238431

Fees & charges apply

Premium Home Loan Package

Special
Owner Occupied
Variable
10% min deposit
P&I

6.34%

6.39%

$2,328

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Investor
Variable
40% min deposit
P&I

5.64%

5.96%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Owner Occupied
Fixed 5 years
30% min deposit
P&I

5.64%

5.96%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Owner Occupied
Fixed 5 years
40% min deposit
P&I

5.64%

5.97%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Special
Owner Occupied
Fixed 5 years
20% min deposit
P&I

5.64%

6.04%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Owner Occupied
Fixed 3 years
30% min deposit
P&I

5.64%

6.04%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Owner Occupied
Fixed 3 years
40% min deposit
P&I

5.99%

6.04%

$2,253

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Investor
Fixed 5 years
10% min deposit
P&I

5.64%

6.05%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Special
Owner Occupied
Fixed 3 years
20% min deposit
P&I

5.64%

6.08%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

2024 Award Winner
Owner Occupied
Fixed 2 years
40% min deposit
P&I

5.64%

6.08%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Owner Occupied
Fixed 2 years
30% min deposit
P&I

5.64%

6.09%

$2,179

Australian Credit Licence 238431

Fees & charges apply

Basic Home Loan

Special
Owner Occupied
Fixed 2 years
20% min deposit
P&I

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Your estimated mortgage repayments

Premium Home Loan Package

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Basic Home Loan

Basic Home Loan

Basic Home Loan

Basic Home Loan

Basic Home Loan

Basic Home Loan

Basic Home Loan

Basic Home Loan

Basic Home Loan

Basic Home Loan