Bank Products – Financial Elements

Fixed Rate Home Loan

Lock in a little certainty with a fixed interest rate for 1-5 years

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 The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.

Interest Rate
5.79% PA

Comparison Rate
7.40%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 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.66%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.96%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 8.26%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 8.36%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.65%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 8.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 8.14%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.43%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.84%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.93%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.22%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.65%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.75%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.03%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 9.11%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 9.21%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.79%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.89%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.53%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.63%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.37%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.47%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.18%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.27%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.59%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.68%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.98%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 7.40%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 7.50%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.79%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 7.29%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 7.39%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 7.68%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 7.17%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 7.27%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 7.56%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 7.06%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 7.16%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 7.45%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.13%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.23%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.93%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.03%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.78%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 7.87%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 7.71%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.80%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 7.59%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.69%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 9.08%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 9.18%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 9.47%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 8.74%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.83%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 9.12%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.58%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.87%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.25%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.63%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.03%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.13%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.42%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 9.35%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 9.45%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 9.74%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 9.00%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 9.10%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 9.39%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.71%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.81%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 9.10%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.46%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.55%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.84%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.23%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.32%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.61%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 8.10%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 8.20%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 8.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 7.88%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.98%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.27%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.73%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.83%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.12%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.58%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.68%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.97%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 7.45%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.55%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.83%
Repayment Type: Principal And Interest
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.37%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.47%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.76%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 8.14%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.24%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.53%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.96%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 8.05%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.34%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.79%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 7.89%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.18%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR up to 70%

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.65%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR 70% up to 80%

Minimum: 70.01 PERCENT Maximum: 80 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 7.74%
Repayment Type: Interest Only
Loan Purpose: Investment

LVR above 80%

Minimum: 80.01 PERCENT Maximum: 95 PERCENT

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.03%
Repayment Type: Interest Only
Loan Purpose: Investment

Product Features

Other Additional Information: Flexible repayments : Choose to make your repayments weekly, fortnightly or monthly for Principal and Interest repayments

Other Additional Information: Lock in your fixed rate when you apply. This way for a fee, you are protected from the possibility of rising interest rates. If the current rate falls below your 'locked in' rate on your settlement date, you'll be given the lower rate. Rate Lock will hold the current fixed rate for up to 90 days after you have locked in the rate for a fee of 0.15% of the loan amount (minimum fee amount $500). Once approved, you will need to pay the Rate Lock fee before drawdown of their loan.

Other Additional Information: Interest in advance : Choose to pay interest in advance on investment loans and get 0.2% p.a. off the fixed interest rate for the interest in advance period.

Other Additional Information: Family Pledge : Use the equity in a family member's home to help you on your home buying journey and maximise the amount you can borrow.

Complementary Product Discounts

Other Additional Information: At the end of your fixed rate period, choose to re-fix your interest rate for another fixed rate period or let it revert automatically to our standard variable interest rate

Other Additional Information: Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security.

Other Additional Information: Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request

Other Additional Information: Complete your refinance loan application with FASTRefi. A faster and easier refinancing process compared to the standard way - so you could access your new BankSA home loan in days, as opposed to weeks. Eligibility applies.

Other Additional Information: Package can include the following : 1. Package residential home and investment loans 2. Package Portfolio Loan 3. Package full interest offset facility 4. Package credit card 5. Package Insurance

Other Additional Information: Cancellation of the package : A package owner may cancel the package at any time by giving us 14 days advance notice in writing.

Extra Repayments Additional Information: Subject to terms and conditions, this product includes extra repayment features.

Fraud Protection Additional Information: The product includes fraud protection features.

Guarantor Additional Information: Subject to terms and conditions, this product includes guarantor features.

Relationship Management Additional Information: Relationship management is available for eligible customers.

Product Eligibility

Min Age - 18. Additional Information: Applicant should be 18 years or over

Residency Status - Should Be An Australian Or New Zealand Citizen(s) Or Permanent Resident(s).

Bank Fees and Charges

Lending Establishment Fee (Upfront), Amount: 600.00.

Loan Account Fee (Periodic), Amount: 8.00.

Document Processing Fee (Event), Amount: 100.00. Additional Information: The Settlement Processing Fee, is a fee charged as apart of the fees for Loan Establishment. It is the fee charged for the processing of settlement services. These can include document validation, value transaction processing and, conveyancing activities required for mortgage lending settlements.

Property Valuer Fee (Variable), Amount: Not Listed.. Additional Information: The Fee starts from $ 164 and the amount payable is dependent on location/value of security property(is)

Missed Payment Fee (Event), Amount: 15.00. Additional Information: Fee payable when we send customer an arrears letter relating to an overdue amount

Loan Discharge Fee (Event), Amount: 350.00. Additional Information: Per Mortgage

Lenders Mortgage Insurance Premium (Variable), Amount: Not Listed.. Additional Information: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance reduces bank's risk as a lender when providing a home loan, you may be able to apply for a home loan and get into your home sooner, with a lower deposit. Lenders Mortgage Insurance insures bank for any shortfall in the event that you default on your loan and if the proceeds from the property sale are not enough to pay off the loan in full. The cost of Lenders Mortgage Insurance is calculated as a percentage of the loan amount. The percentage applied will vary depending on a number of factors. Please speak to your lender if you would like to understand this process in more detail. The cost of Lenders Mortgage Insurance premium is passed on to you. We do not receive a commission on Lenders Mortgage Insurance.

Annual Advantage Package Fee (Periodic), Amount: 395.00.

Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: Break costs are an amount equal to the Bank's reasonable estimate of its loss due to breaking of the fixed rate period or early repayment of a fixed rate loan.

Document Downloads

loan-accounts.pdf (55.8 KB)

Fixed Rate Home Loan

General Lending Rates

Product Features

Product Eligibility

Bank Fees and Charges

Document Downloads

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