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
OtherAdditional Information: Repayment type : Principal and Interest OR Interest only (same term as fixed period and subject to approval)
OtherAdditional Information: 2-5 year fixed rate terms, 30 year maximum loan term
OtherAdditional Information: Additional repayments - up to $10,000 annually without penalty
OtherAdditional 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
OtherAdditional Information: No minimum loan amount
Product Eligibility
Min Age - 18. Additional Information: Be 18 years of age or older
OtherAdditional Information: Have never been bankrupt
Residency Status - Resident Or Citizen. Additional Information: Be an Australian citizen or permanent resident
OtherAdditional 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.
