Fixed Rate Home Loan
A Fixed Rate Home Loan gives you certainty of knowing exactly what your interest rate, and therefore repayments, will be for a period of up to three years.
The fixed rate reverts to a standard variable home loan rate after the fixed period, but you can choose to re-fix it again for a fee.
Features
- Certainty of your interest rate for a period of one, two or three years
- Safeguard against interest rate rises for the fixed period
- 100% mortgage offset account on owner-occupied properties
- Redraw facility on owner-occupied properties
- Your choice of weekly, fortnightly or monthly repayments
- Able to pay up to an extra $10,000 per year in addition to your contracted repayments
- Automatic repayments through direct debit
- Available for a range of loan purposes, including buying an existing house, vacant land for building a home and more
Find out more
Call 1800 753 377 during office hours, or complete the form below to have one of our home lending experts contact you.
| Product | Interest rate | Comparison rate |
|---|---|---|
|
1 year fixed rate (Principal & Interest)
|
4.29.~
|
5.21.*
|
|
2 year fixed rate (Principal & Interest)
|
4.29.~
|
5.14.*
|
|
3 year fixed rate (Principal & Interest)
|
4.39.~
|
5.09.*
|
|
1 year fixed rate (Interest Only)
|
4.64.~
|
5.69.*
|
|
2 year fixed rate (Interest Only)
|
4.64.^^
|
5.60.*
|
|
3 year fixed rate (Interest Only)
|
4.74.^^
|
5.55.*
|
| Rates effective from 1 August 2018 | ||
| Fees | Amount |
|---|---|
|
Establishment fee
|
$250
|
|
Document fee
|
$250
|
|
Loan maintenance fee
|
$10
|
^Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.
*WARNING: These Comparison Rates apply only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request. Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Home Loan brochure; Account and Access Facility Conditions of Use; Fees and Charges brochure; Financial Services Guide; Loan Interest Rate Schedule;and Credit Guide.
Interest Rate
