Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Category: Home Loans Last Updated September 30, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate 5.49% PA
Comparison Rate 6.21%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 ≤90% discount
Minimum: 0.01 PERCENT Maximum: 90 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.49%, Comparison Rate 6.21%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Product Features
Digital Banking
Npp Enabled
Product Eligibility
Min Age - 18.
Residency Status - Must Be An Australian Resident.
Natural Person
Bank Fees and Charges
Default Enforcement Expenses (Variable), Amount: Not Listed.. Additional Information: May apply if enforcement services are required as part of default administration
Discharge Fee (Exit), Amount: 165.00. Additional Information: Payable for standard partial or full discharges.
Establishment Fee (Upfront), Amount: 0.00. Additional Information: Establishment Fee includes valuation fee up to $300, title search, document preparation and settlement fees - document generation, distribution of documents, verification of returned documents, verification of search requirements, settlement booking, settlement attendance (PEXA or paper) and lodgement of title documents
Mortgage Top Up Fee (Event), Amount: 0.00. Additional Information: Payable for further advance. Valuation fees are payable at cost.
Substitution Of Mortgage Security (single Property) Fee - For New Loans (Event), Amount: 350.00. Additional Information: Payable for substitution of a mortgage security
Early Payment Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you make extra repayments that exceed $10,000 per annum during any fixed period. Applicable to fixed term loans only. Interest differential as defined in the loan contract is payable.
Early Termination Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you repay your loan or change to a variable interest rate during the fixed rate period. Applicable to fixed term loans only. Interest differential as defined in the loan contract + $200 administration fee is payable.
Company / Trust - Borrower / Guarantor Party Fee Company Search And Review Fee (Event), Amount: 150.00. Additional Information: Payable for each company or trust borrower / guarantor party on the loan.
Substitution Of Mortgage Security (single Property) Fee - For Variations (Event), Amount: 200.00. Additional Information: Payable for substitution of a mortgage security
Interest Rate Lock Fee (Event), Amount: 500.00. Additional Information: Payable at the time of application if you elect to lock-in your interest rate for a period of 90 days from the date you apply for your loan.
Additional Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost