Bank Special: 3.65%p.a. (CR3.66%p.a.) with up to $1500 cashback!

Want a home loan from a bank for 3.66%p.a. with $0 annual fees & a $1500 eGift card^? Your time has come!


Apply for a new mortgage or refinance your existing mortgage with Bank Australia by 09/12/2018 using Naritas and you could get a great rate on your mortgage & cashback!

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Home Loan rates

The cashback payment offer

Fees & charges

Basic Home Loan features

Home Loan rates

  • Bank Australia Basic Home Loan from 3.65% p.a.* CR 3.66† p.a.
  • *3.65%p.a. (CR 3.66%p.a.) available on the Bank Australia Basic Home Loan for owner occupier borrowers with a minimum loan size of $150,000 (conditions apply, max 80%LVR).
  • Rate current as of 28/08/2018.

 The eGift Card offer

Receive a Woolworths Wish eGift card courtesy of Naritas 12 weeks after loan settlement!

  • $0 rebate for loans under $400,000.
  • $500 rebate for loans $400,001-$500,000.
  • $1000 rebate for loans $500,001-$750,000.
  • $1500 rebate for loans $750,000+.

Fees & charges:

  • $0 loan application fee.
  • $0 annual package fee.
  • Discharge cost – $250 plus legal costs (only payable when exiting/discharging the loan).

See how much you could save when you switch to Bank Australia’s Basic Home Loan.


Bank Australia’s Basic Home Loan comes with a range of great features:
Fee free redraw (when performed online) $0 annual fee
Loan repayment pause available $0 application fee
Deal with a bank that has been in business since 1957 & is one of the strongest small banks in Australia. Free ATM transactions via NAB and rediATM ATMs

Apply now for an obligation free quote or approval.

^Naritas Finance Cashback Terms & Conditions:

  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 28 August 2018 and closes 9 December 2018 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A payment under the eGift Card Offer (“eGift Card Offer”) will be issued for residentially secured home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange a Bank Australia (BAU) Home Loan to be eligible for the eGift Card Offer. A borrower’s loan application in conjunction with this eGift Card Offer will be subject to BAU’s usual credit assessment and approval processes.
  6. The eGift Card Offer is $1500 where as a result of a refinance or new mortgage under this promotion is retained for a minimum of 24 months, and the total loan refinanced, either jointly or individually using Naritas is $750,001 or more. $1000 for loans $500,001-$750,000. $500 for loans $400,001-$500,000. $0 for loans under $400,000.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 31 December 2018.
  9. A borrower is eligible for a eGift Card Offer only once during the Offer Period. Once a loan application that is eligible for a eGift Card Offer is received, no further loans which include that borrower, jointly or individually will be eligible for a eGift Card Offer.
  10. Fees and charges apply to loans taken out under this eGift Card Offer. Refer to the Loans Fees and Charges brochure or the Mortgage Loan Schedule for details.
  11. The eGift Card will be deposited to the loan account for the refinanced loan 25 months after the settlement date. The eGift Card Offer will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the eGift Card Offer to any other person.
  13. Naritas accepts no responsibility for any tax implications that may arise from the eGift Card Offer. The borrower should seek their own independent advice in this regard.
  14. Offer not available in conjunction with any other Naritas promotional offer.
  15. Participation in the eGift Card Offer is deemed acceptance of these terms.


*Special Discounted Rate applies to minimum loan size of $150,000 and Loan to Value Ratio under 80% (more than 20% equity) for owner occupied residentially secured home loans. Terms and conditions apply.

† The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.


Naritas Finance Pty Ltd ACN 096 341 061, Australian Credit Licence 441723