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  Fixed Rate Home Loan

You don't need a fortune teller to find out what the future looks like. A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for a certain term, while protecting yourself against any potential interest rate rises. And with great interest rates across our range of terms, that certainty comes with a smile.
Category: Home Loans  Last Updated November 18, 2024  Effective December 18, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner Occupier, Principal & Interest, 2 years fixed discount rate - max 80% LVR
Interest Rate
5.69% PA
Comparison Rate
6.37%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.56%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.80%, Comparison Rate 6.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.59%, Comparison Rate 6.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.69%, Comparison Rate 7.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.84%, Comparison Rate 7.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Other Additional Information: Repayment type : Principal and Interest OR Interest only (same term as fixed period and subject to approval)
  • Digital Banking
  • Other Additional Information: Repayment options -Weekly/ Fortnightly/ Monthly
  • Other Additional Information: 2-5 year fixed rate terms, 30 year maximum loan term
  • Other Additional Information: Additional repayments - up to $10,000 annually without penalty
  • Other Additional Information: Maximum loan amount -Borrow up to 90% of property value for discount offers, inclusive of LMI OR Borrow up to 95% of the property value, inclusive of LMI* (Principal and Interest Lending) or 90% of the property value, excluding LMI* (Interest Only Lending) for Owner Occupiers OR Borrow up to 90% of the property value, inclusive of LMI* (Principal and Interest or Interest Only Lending) for Investors
  • Other Additional Information: No minimum loan amount

 Product Eligibility

  • Min Age - 18. Additional Information: Be 18 years of age or older
  • Other Additional Information: Have never been bankrupt
  • Residency Status - Resident Or Citizen. Additional Information: Be an Australian citizen or permanent resident
  • Other Additional Information: Earn a regular income

 Bank Fees and Charges

  • Break Cost Administration Fee (Exit), Amount: 50.0000. Additional Information: The Break Cost Administration Fee and Break Costs are charged in accordance with your Facility Agreement, and may be payable if: a fixed rate period is broken (by you paying out the loan or changing loan types or as a consequence of a default causing the full amount of the loan to fall due for payment), you pay more htan the total of your elected repayments plus $5,000 in any 12 month period during your fixed rate period, or a Break Cost event occurs and we make a loss from re-arranging our funding
  • Government And Other Charges (Variable), Amount: Not Listed.. Additional Information: Fees payable to third parties. Fees may include but are not limited to - Mortgage duty, Mortgage lodgement fee, Land title search fee etc. Fees may vary by state. Refer to your loan schedule for a complete list of third-party fees that apply to your account.
  • Rate Lock Fee (Upfront), Amount: Not Listed.. Additional Information: Payable if you elect to lock in your interest rate on a fixed rate home loan. We will hold the interest rate for 100 days from the date we process your request after which the rate on the date of lending would apply.
  • Production Fee (Event), Amount: 150.0000. Additional Information: Payable if a certificate of title or any security is requried to be produced to another financial institution.
  • Construction Loan Fee (Upfront), Amount: 250.0000.
  • Security Release Fee (Event), Amount: 350.0000. Additional Information: Payable when we agree (at your request) to discharge a security.
  • Consent Fee (Event), Amount: 300.0000. Additional Information: Payable whenever we give consent (following a request from you) to a change in security.
  • Substitution Of Security (Event), Amount: 300.0000. Additional Information: Payable if we agree to substitution of a security for another security.
  • Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: The amount is calculated in accordance with your Facility Agreement. The Break Cost Administration Fee and Break Costs are charged in accordance with your Facility Agreement, and may be payable if: a fixed rate period is broken (by you paying out the loan or changing loan types or as a consequence of a default causing the full amount of the loan to fall due for payment), you pay more htan the total of your elected repayments plus $5,000 in any 12 month period during your fixed rate period, or a Break Cost event occurs and we make a loss from re-arranging our funding
  • Default Fee (Event), Amount: 30.0000. Additional Information: Payable 10 days after a repayment date if you have not paid your repayment or any other payment in full on or before that repayment date. A further default fee is payable 10 days after the repayment date in each subsequent month until all overdue amounts are paid.
  • Monthly Fee (Periodic), Amount: 10.0000. Additional Information: Discounts may apply in some cases. Refer to your Loan schedule for details.
  • Settlement Fee (Upfront), Amount: 150.0000.

 Document Downloads

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