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How can we help you today?
I want…
Save more with our lowest variable home loan rate
*Based on an LVR up to 60% and owner occupied
Because we’re focused on you, not shareholders, we can give you a lower rate with our Customs Value Home Loan. Lower interest means you pay off your loan faster. Plus, you can get your foot in the door from as little as 2% deposit if it’s your own home.
Interested in investing?
*Based on an LVR up to 60% for our Customs Value Investment Loan (principal & interest)
Benefits
- Get a loan with as little as 2% deposit if it’s your own home1
- Able to split home loan into variable and fixed option
- Make additional repayments at no extra cost (limit of $10k on fixed loans per year.
- Repayment frequency options – weekly, fortnightly, monthly
- Offset is available on a variable home loan only
- Principle and Interest Only available
Costs
- No monthly account keeping fee
- No annual fee
- An establishment fee is applicable, and there are other fees associated when buying a home. This information can be found here.
Conditions
- Lenders Mortgage Insurance will apply with deposits less than 20%
- For Owner Occupiers, not investors
- Interest Only is available
Free Property Report
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THE BENEFITS
Why choose a Border Bank home loan?
We’re friendly
We’re proud of our members and do everything we can to make your banking as easy as possible.
We’re all about you
Our bank is Member-owned — that means we only answer to you, our Members. All profits are returned to Members in the form of better rates, products and services.
We offer the best deals
Discover our award winning home and personal loans, credit cards and overdrafts — whatever you need.
We’re award-winning
Money Magazine Awards:
2021 – Customer Owned Bank Investment Lender of the Year
2020 – Investment Lender of the Year
2018 – Cheapest Personal Loan
Ready to apply for a Home Loan?
Apply NowImportant Information
*The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
^Lenders Mortgage Insurance (LMI) required for Loans with LVR^ greater than 80%, with the exception of the First Home Loan. If you decide to repay your home loan, refinance or switch to another lender within the first year, then you may be eligible for a partial refund of your LMI payment.
#An early repayment fee may apply on the fixed rate portion of any loan.
~ Offset Account is not available on Interest Only.
Home Loan Terms & Conditions
- The First Home Loan is only available for applicants that qualify for the First Home Loan Deposit Scheme. Interest Only is only applicable for Construction purposes.
- Minimum loan amount is $50,000. Existing Border Bank borrowers must borrow minimum $50,000 additional funds to be eligible.
- Not available for investment purposes or for refinancing of existing Border Bank loans.
- Customs Value Home Loan is only available to Current and Retired Employees of an Australian Border Force or Police organisation uniformed or civilian.