RESIDENTIALLY SECURED PERSONAL LOAN

This personal loan is designed for current Bank of us home loan customers needing extra funds for any worthwhile purpose - and all at a discounted rate.
Category: Personal Loans  Last Updated October 29, 2025  Effective December 22, 2025

 General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information
Interest Rate
6.29% PA
Comparison Rate
6.57%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Extra Repayments
  • Npp Enabled
  • Redraw
  • Digital Banking

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status Additional Information: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.

 Bank Fees and Charges

  • Personal Loan Application Fee (Upfront), Amount: 200.00.
  • Title Search Fee (Variable), Amount: 0.00. Additional Information: Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost.
  • Special Attendance Fee (Event), Amount: 300.00. Additional Information: per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date.
  • Arrears Fee (Event), Amount: 40.00. Additional Information: Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day.
  • Insurance Collection Fee (Event), Amount: 40.00. Additional Information: Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf.
  • Evidence Retrieval Fee (Event), Amount: 20.00. Additional Information: Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction.
  • Cheque Dishonour (inward) Fee (Event), Amount: 12.00. Additional Information: Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.
  • Duplicate Statement Fee (Event), Amount: 5.00. Additional Information: Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request.
  • Discharge Fee (Event), Amount: 395.00. Additional Information: Payable when we agree to discharge any security.

 Limitations & Restrictions (Constraints)

  • Max Limit of 100000.00
  • Min Limit of 3000.00

 Document Downloads