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 April 8, 2022  Effective May 8, 2022

 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
3.79%PA
Comparison Rate
3.36%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, 4.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.69%, Comparison Rate 3.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.89%, Comparison Rate 3.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.74%, Comparison Rate 3.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.74%, Comparison Rate 3.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 3.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.39%, Comparison Rate 3.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.14%, Comparison Rate 3.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.84%, Comparison Rate 3.69%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.84%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.19%, Comparison Rate 3.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.39%, Comparison Rate 3.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.94%, Comparison Rate 3.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.94%, Comparison Rate 3.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.49%, Comparison Rate 3.7%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.69%, Comparison Rate 3.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.94%, Comparison Rate 3.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.09%, Comparison Rate 4.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.79%, Comparison Rate 3.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.94%, Comparison Rate 3.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 4.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.24%, Comparison Rate 3.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.24%, Comparison Rate 3.59%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.24%, Comparison Rate 3.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.04%, Comparison Rate 3.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 3.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.04%, Comparison Rate 3.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 3.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.94%, Comparison Rate 3.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.19%, Comparison Rate 3.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 3.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 4.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.39%, Comparison Rate 3.7%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.49%, Comparison Rate 3.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 4.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 4.18%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.64%, Comparison Rate 3.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 4.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 4.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 4.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.94%, Comparison Rate 4.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 4.2%
  • 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

 Product Eligibility

  • Min Age - 18 Years. Additional Information: Be 18 years of age or older
  • Other - Bankruptcy. Additional Information: Have never been bankrupt
  • Other - Earn A Regular Income. Additional Information: Earn a regular income
  • Residency Status - Resident Or Citizen. Additional Information: Be an Australian citizen or permanent resident

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: 0.0000.
  • Monthly Fee (Periodic), Amount: 10.0000.
  • Rate Lock Fee (Upfront), Amount: Not Listed.. Additional Information: 0.15% of the approved loan amount
  • Settlement Fee (Upfront), Amount: 150.0000.

 Document Downloads

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