Fixed P&I (Home)
Fixed Rate Home Loan Owner Occupied Principal & Interest
Category: Home Loans Last Updated April 29, 2025 Effective May 9, 2025
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.49% PA
5.49% PA
Comparison Rate
5.89%PA*
5.89%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..
<80% LVR,2 years fixed rate
- Lending Rate Type: Fixed
- Interest Rate: 5.69%, Comparison Rate 5.97%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<80% LVR,3 years fixed rate
- Lending Rate Type: Fixed
- Interest Rate: 5.49%, Comparison Rate 5.89%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<80% LVR,4 years fixed rate
- Lending Rate Type: Fixed
- Interest Rate: 5.69%, Comparison Rate 5.91%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<80% LVR,5 years fixed rate
- Lending Rate Type: Fixed
- Interest Rate: 5.74%, Comparison Rate 5.91%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
80% - 90% LVR,1 year fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.04%, Comparison Rate 6.04%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
80% - 90% LVR,2 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.99%, Comparison Rate 6.03%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
80% - 90% LVR,3 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.79%, Comparison Rate 5.97%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
80% - 90% LVR,4 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.99%, Comparison Rate 6.02%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
80% - 90% LVR,5 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.04%, Comparison Rate 6.04%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Digital Banking Additional Information: Our secure Online Banking service means access to your accounts 24 hours a day, seven days a week.
- Npp Enabled Additional Information: This account is able to receive Osko payments
- Npp Payid Additional Information: PayIDs can be linked with this account
- Other Additional Information: Rate guarantee for a period of 90 days. Terms & conditions and fees apply
- Other Additional Information: Extra repayments up to $10,000 a year
- Other Additional Information: Split your loan with our lowest variable rate
- Other Additional Information: Choice of 1, 2, 3, 4 or 5 year fixed terms
Product Eligibility
- Employment Status - Full Time, Part Time, Casual, Self Employed.
- Min Age - 18. Additional Information: 18 years and above
- Natural Person
- Other Additional Information: Minimum deposit 10%
- Residency Status - Customers Who Are Permanent Resident Or Citizens May Apply For The Product.
Bank Fees and Charges
- Annual Fee (Periodic), Amount: 0.00.
- Account Keeping Fee (Periodic), Amount: 0.00.
- Establishment Fee (Upfront), Amount: 0.00.
Limitations & Restrictions (Constraints)
- Min Limit of 150000.00 Additional Information: Minimum amount $150K
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