Basic Home Loans - Low Interest Rates without the Frills!

One of the most popular loans.  The Basic Home Loan is Low Frills Loan with the lowest running costs - and less extras - so you pay a lower interest rate. Before you choose this loan make sure that you don't need any extras (such as fee free credit cards and accounts etc) and compare the costs of getting them separately.


  • Discipline - regular repayments help you with budgeting.
  • The interest rate is always lower than traditional loans.
  • Extra repayments are usually allowed.


  • Money held in normal savings accounts with the same institution will not reduce your home loan rates.
  • The interest rate is variable and you are vulnerable to interest rate fluctuation.
  • Other facilities such as loan redraw may not be available.
Other Home Loans you may wish to consider or research:
Professional Home Loan Package
Split Rate Home Loan
Line of Credit
Standard Variable Rate Home Loan
Fixed Rate Home Loan

Like to know more about the home loan process then review our Guide to Home Loans.

If you would like to discuss the Basic Home Loan  or any other loan products please call us or complete the form below and we will contact you.

Office Contact Details

Phone: 02 - 4272 8250

      02- 4271-8567

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Like To Get Your
Mortgage underway?

To help us help you we have developed an online application form that collects all the necessary information we need  to assess your situation. Please take the time to complete online, its secure and easy to complete. We will receive a confirmation through our system and will contact you to discuss your situation in more detail. It only takes a few minutes to complete. Just simply click the apply online button.

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Free Home Buyers Guide
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  • Hints in the buying process
  • 10 steps to buying a home
  • Apply for a loan
  • Jargon Buster
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David Carruthers is a credit representative (Credit Representative Number [400226]) of BLSSA Pty Ltd (Australian Credit Licence No. 391237).