Bank of us
RESIDENTIALLY SECURED PERSONAL LOAN
Bank of us · pers loans
Provider last updated this product 2026-04-13.
Go to provider
You'll complete your application on
Bank of us's website. Confirm the rate and fees with them
before applying.
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.
As published by the lender
- Security - Secured
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.29% | 6.57% | INVESTMENT | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| PERSONAL_LOAN_APPLICATION_FEE | UPFRONT | $200 | - |
| TITLE_SEARCH_FEE | UPFRONT | - | Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost. |
| SPECIAL_ATTENDANCE_FEE | EVENT | $300 | 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 | $40 | 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 | $40 | Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf. |
| EVIDENCE_RETRIEVAL_FEE | EVENT | $20 | 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 | $12 | 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 | $5 | Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. |
| DISCHARGE_FEE | EVENT | $395 | Payable when we agree to discharge any security. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 6.29% | 6.57% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- natural person
- residency statusShould be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
Limits
- max limit - 100000.00
- min limit - 3000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-04-13T22:34:20.000+10:00 · Product ID: ResiSecuredPL