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Fixed Rate Home Loan

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Fixed Rate Home Loan

Enjoy the certainty of knowing what your repayments are for a fixed period. The fixed rate loan is available for 1, 2 and 3 years

  • Borrow as little as $10,000
  • No monthly account keeping or service fees
  • Make up to $10,000 in extra repayments without penalty
  • The option to split your loan between fixed and variable

Owner Occupied

From
5.97% pa1
interest rate

7.72% pa2
comparison rate

learn more

 

Investment

From
6.14% pa1
interest rate

7.90% pa2
comparison rate

learn more

Fixed Rate Home Loan - Owner Occupier
Key Features
Minimum Loan Amount$10,000 
Flexible RepaymentsWeekly, fortnightly, monthly
Variable and Lump Sum RepaymentsYes, up to $10,000
Early Repayment Without PenaltyYes break costs may apply
Redraw FacilityFree online redraw, minimum amount $500, $20 fee if processed manually 
Maximum Loan Amount80% of property value, 95% of PV for Owner Occupier with mortgage insurance, 90% of PV for Investment with mortgage insurance
Loan PeriodUp to 30 years
Featured Interest Rate
Interest ChargesCalculated daily, charged monthly
Rate Term1, 2 or 3 years
Fixed Interest Rates
1 Year Fixed Rate6.08% pa1
1 Year Fixed Comparison Rate8.19% pa2
2 Year Fixed Rate6.01% pa1
2 Year Fixed Comparison Rate7.95% pa2
3 Year Fixed Rate5.97% pa1
3 Year Fixed Comparison Rate7.72% pa2
Fees
Establishment Fee$250 
Monthly Fee$0 
Annual Fee$0 
Legal FeesAt cost
Valuation FeesAt cost


Fixed Rate Home Loan - Investment
Key Features
Minimum Loan Amount$10,000 
Flexible RepaymentsWeekly, fortnightly, monthly
Variable and Lump Sum RepaymentsYes, up to $10,000
Early Repayment Without PenaltyYes break costs may apply
Redraw FacilityFree online redraw, minimum amount $500, $20 fee if processed manually 
Split with Fixed and Variable RatesYes
Family Guarantee OptionOn application
Maximum Loan Amount80% of property value, 95% of PV for Owner Occupier with mortgage insurance, 90% of PV for Investment with mortgage insurance
Loan PeriodUp to 30 years
Featured Interest Rate
Interest ChargesCalculated daily, charged monthly
Fixed Interest Rates
1 Year Fixed Rate6.26% pa1
1 Year Fixed Comparison Rate8.38% pa2
2 Year Fixed Rate6.19% pa1
2 Year Fixed Comparison Rate8.13% pa2
3 Year Fixed Rate6.14% pa1
3 Year Fixed Comparison Rate7.90% pa2
Fees
Establishment Fee$250 
Monthly Fee$0 
Annual Fee$0 
Legal FeesAt cost
Valuation FeesAt cost

Rates effective from 15 December 2023

 

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1 Fixed rate reverts to our Standard Variable Home Loan rate after the fixed rate period.

2 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years with monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, terms and conditions, fees and charges apply.