RBA Cash Rate: 4.10% · 1AUD = 0.72 USD · Inflation: 3.6%  

1300 422 506

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New Vision Financial Services
Call us on 1300 422 506
Home Loan Variable: 5.59% (5.61%*) • Home Loan Fixed: 5.74% (6.55%*) • Fixed: 5.74% (6.55%*) • Variable: 5.59% (5.61%*) • Investment IO: 5.88% (6.08%*) • Investment PI: 5.79% (5.82%*)

  1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers

Special Offer discounts on Fixed rates in your Home Package Plus with New or additional lending of > $150,000
Category: Home Loans  Last Updated April 7, 2026  Effective December 31, 2018

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 2 Year Fixed Rate Term
Interest Rate
6.14% PA
Comparison Rate
6.36%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..
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.04%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 7.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 7.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Other Additional Information: Rate certainty, set your rate for a term of 1,2,3 or 5 years
  • Digital Banking
  • Other Additional Information: Ability to set up automated repayments
  • Other Additional Information: Guaranteed Rate to secure your fixed rate for 90 days following your application
  • Other Additional Information: No Establishment Fee
  • Other Additional Information: A discounted interest rate when you combine total home lending over $150,000 with an Everyday Options bank account
  • Other Additional Information: The choice of Interest Only repayments for a maximum period of five years and subject to you satisfying applicable bank criteria (Interest Only term must match Fixed Rate term)
  • Other Additional Information: Split your loans in the package to include Variable and Fixed Rate loan/s at no additional cost
  • Other Additional Information: Phone Banking
  • Extra Repayments Additional Information: Make extra repayments of up to $500 per month without penalty

 Product Eligibility

  • Other Additional Information: Home Package Plus - New or additional lending of $150,000 +
  • Other Additional Information: Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice

 Bank Fees and Charges

  • Additional Valuation Fee (Event), Amount: 150.00. Additional Information: The first valuation assessment for each loan application is provided by the Bank. If any additional valuation assessments that involve a physical inspection are obtained by us for assessing the loan security, than this fee will apply.
  • Arrears Administration Fee (Event), Amount: 20.00. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
  • Copy Of Documents Fee (Event), Amount: 35.00. Additional Information: Payable if we are required to obtain a copy of a document, including Mortgage or title search.
  • Default Interest (Event), Amount: Not Listed.. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
  • Guarantor Fee (Event), Amount: 200.00. Additional Information: Applies if a guarantor is included in the loan. Fee is per guarantor.
  • Home Package Plus Annual Fee (Periodic), Amount: 375.00.
  • Loan Finalisation Fee (Event), Amount: 350.00. Additional Information: Applies when a loan is paid out in full, This includes settlements, refinances and payouts.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00 Additional Information: Minimum Loan Balance of $150,000
  • Max Limit of 3750000.00 Additional Information: Maximum Loan Balance of $3,750,000
  • Min Lvr of 0.01 Additional Information: Minimum LVR of 1%
  • Max Lvr of 0.90 Additional Information: Maximum LVR of 90%

 Document Downloads

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