Underwear, loads of it, is basic stuff (5,5)
I believe the answer is:
brass tacks
'of it is basic stuff' is the definition.
I can't judge whether this defines the answer.
'underwear loads' is the wordplay.
'underwear' becomes 'bras'.
'loads' becomes 'stacks' (synonyms).
'bras'+'stacks'='BRASS TACKS'
Can you help me to learn more?
(Other definitions for brass tacks that I've seen before include "Nitty-gritty (got down to)" , "Hard facts" , "really mean business" , "Business one gets down to" , "Basics" .)