RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 3.9%  

1300 422 506

Book a Consultation
Search
Close this search box.
New Vision Financial Services
Call us on 1300 422 506
Home Loan Variable: 5.79% (5.79%*) • Home Loan Fixed: 6.09% (6.08%*) • Fixed: 6.09% (6.08%*) • Variable: 5.79% (5.79%*) • Investment IO: 6.13% (6.33%*) • Investment PI: 5.99% (6.01%*)

  Fixed Rate Home Loan

Lock in a little certainty with a fixed interest rate for 1-5 years.
Category: Home Loans  Last Updated August 13, 2026  Effective August 20, 2026

 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
6.34% PA
Comparison Rate
6.76%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: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.69%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 8.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 8.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 8.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 8.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 8.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.39%, Comparison Rate 8.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.39%, Comparison Rate 8.28%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 7.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.20%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.88%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.99%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 7.10%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.04%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 7.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 9.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 9.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 9.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 9.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 9.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.44%, Comparison Rate 8.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.44%, Comparison Rate 8.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 9.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 9.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 9.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 8.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 8.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 9.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 8.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 8.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 9.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 8.68%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 8.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 8.43%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 8.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 8.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 7.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 7.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 7.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 7.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 7.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 7.06%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 7.04%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.99%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.14%, Comparison Rate 7.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.07%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 7.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
Minimum: 0.00 PERCENT Maximum: 0.70 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 0.70 PERCENT Maximum: 0.80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 0.80 PERCENT Maximum: 0.90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 7.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Flexible repayments : Choose to make your repayments weekly, fortnightly or monthly
  • Other Additional Information: Lock in a fixed rate - Lock in your fixed rate when you apply, so if rates rise before you settle, you won?t be affected (fees apply).
  • 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.
  • Complementary Product Discounts
  • 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.
  • 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
  • Redraw Additional Information: For loans fixed from 17 May 2020: During a fixed rate period, customers can only redraw available funds that have been paid into the loan during the fixed rate period, up to the prepayment threshold. The prepayment threshold is $30,000.For loans fixed before 17 May 2020: During the fixed rate period, customers can only redraw up to $10,000 in each 12-month period (anniversary year)
  • Digital Banking
  • Other Additional Information: Option to Loan Split/Subsequent Loan Sequence
  • Other Additional Information: The product includes a combination loan feature.
  • Other Additional Information: The product provides options which includes reduced repayment, repayment holiday and portability features
  • Other Additional Information: The product includes a Relocation Loan End Debt feature
  • Other Additional Information: The product includes Switching (from another product) feature
  • Other Additional Information: Loan Payment Method - Direct Credit, Direct Debit (preferred), Branch Payment, Internet or Phone Banking
  • 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 Bank of Melbourne home loan in days, as opposed to weeks. Eligibility applies.
  • 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).
  • Other Additional Information: Individuals, Trusts (individual and company trustees), Company, Partnership

 Bank Fees and Charges

  • Lending Establishment Fee (Upfront), Amount: Not Listed..
  • Loan Account Fee (Periodic), Amount: Not Listed..
  • Document Processing Fee (Event), Amount: Not Listed.. 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 (Event), Amount: Not Listed.. Additional Information: Fee may be payable if a valuation is needed. The amount is dependent on property location and value.
  • Missed Payment Fee (Late Payment), Amount: Not Listed.. Additional Information: Fee payable when we send customer an arrears letter relating to an overdue amount
  • Loan Discharge Fee (Exit), Amount: Not Listed.. Additional Information: Per Mortgage
  • Lenders Mortgage Insurance Premium (Upfront), 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: Not Listed..
  • Break Cost Fee (Event), Amount: Not Listed.. Additional Information: Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. For fixed rate loans taken up prior to 18 August 2019, customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break cost or fees applying.
  • Fixed Rate - Lock-in Fee (Event), Amount: Not Listed.. Additional Information: Rate Lock: Bank of Melbourne will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The Rate Lock fee is 0.15% of the loan amount or $500, whichever is higher, capped at $1,000 for loans up to $2 million. For loans above $2 million, the Rate Lock fee is 0.15% of the loan amount. At the end of the fixed rate period the interest rate will revert to the applicable variable interest rate.

 Limitations & Restrictions (Constraints)

  • Min Lvr of 0.00
  • Max Lvr of 0.95
  • Min Limit of 10000.00 Additional Information: The minimum amount financed is $10,000
  • Max Limit of 2000000.00 Additional Information: The maximum amount financed is $2,000,000.00
  • Other of Additional Information: Maximum repayment term 30 years
  • Other of Additional Information: Owner occupier - Loan maximum interest only period 5 years
  • Other of Additional Information: Investment - Loan maximum interest only period 10 years

 Document Downloads

Like this Mortgage Product?

Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest

© New Vision Financial Pty Ltd ABN 26 609 888 691 ACL 384704 | Privacy • Terms • Disclaimer

New Vision Financial Services