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 July 30, 2021  Effective September 5, 2021

 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
1.99%PA
Comparison Rate
3.07%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..
  OWNER_OCCUPIED, FIXED, 3.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.84%, Comparison Rate 3.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.54%, Comparison Rate 3.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.64%, Comparison Rate 3.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.84%, Comparison Rate 3.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.64%, Comparison Rate 3.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.84%, Comparison Rate 3.5%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.64%, Comparison Rate 3.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.84%, Comparison Rate 3.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 4.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.29%, Comparison Rate 3.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.04%, Comparison Rate 3.5%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.64%, Comparison Rate 3.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.84%, Comparison Rate 3.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.84%, Comparison Rate 3.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.04%, Comparison Rate 3.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.29%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.09%, Comparison Rate 3.7%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.19%, Comparison Rate 3.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.09%, Comparison Rate 3.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.19%, Comparison Rate 3.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.24%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OWNER_OCCUPIED, FIXED, 2.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 3.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 1.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 1.99%, Comparison Rate 3.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.24%, Comparison Rate 3.28%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 23.4%
  • Lending Rate Type: Fixed
  • Interest Rate: 23.4%, Comparison Rate 3.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.19%, Comparison Rate 3.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.1%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 3.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 3.1%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 3.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 2.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.39%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.64%, Comparison Rate 3.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 3.26%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.74%, Comparison Rate 3.3%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.94%, Comparison Rate 3.3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.34%, Comparison Rate 3.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Digital Banking
  • Offset Additional Information: Yes - only available for 1 year fixed term and personal customers (not available for company/trust loans)
  • Other Additional Information: 1-5 year fixed rate terms, 30 year maximum loan term
  • Other Additional Information: No minimum loan amount
  • 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: Repayment type : Principal and Interest OR Interest only (same term as fixed period and subject to approval)
  • Other Additional Information: Repayment options -Weekly/ Fortnightly/ Monthly
  • Other Additional Information: Additional repayments - up to $5,000 annually without penalty

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