RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Billions Capital
Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Fixed Rate Home Loan

Lock in a little certainty with a fixed interest rate for 1-5 years.
Category: Home Loans  Last Updated December 12, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.
Interest Rate
5.49% PA
Comparison Rate
6.01%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 vary based on the LVR and other conditions..
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 7.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 8.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 7.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 7.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 8.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 7.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 7.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 7.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 7.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 7.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 7.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 7.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 6.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.15%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.10%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.20%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.37%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 8.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 8.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 8.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 8.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 8.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 8.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 7.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 8.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 8.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.80%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 8.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 8.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 8.37%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 8.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 8.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 8.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 8.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 8.56%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.99%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 8.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 8.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.24%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.60%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.21%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.24%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.37%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.42%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

Product Features

  • Other Additional Information: Flexible repayments : Choose to make your repayments weekly, fortnightly or monthly
  • Other Additional Information: Lock in a fixed rate - Lock in your fixed rate when you apply, so if rates rise before you settle, you won?t be affected (fees apply).
  • Other Additional Information: Interest in advance : Choose to pay interest in advance on investment loans and get 0.2% p.a. off the fixed interest rate for the interest in advance period.
  • Complementary Product Discounts
  • Other Additional Information: Family Pledge : Use the equity in a family member's home to help you on your home buying journey and maximise the amount you can borrow.
  • Other Additional Information: At the end of your fixed rate period, choose to re-fix your interest rate for another fixed rate period or let it revert automatically to our standard variable interest rate
  • Redraw Additional Information: For loans fixed from 17 May 2020: During a fixed rate period, customers can only redraw available funds that have been paid into the loan during the fixed rate period, up to the prepayment threshold. The prepayment threshold is $30,000.For loans fixed before 17 May 2020: During the fixed rate period, customers can only redraw up to $10,000 in each 12-month period (anniversary year)
  • Digital Banking
  • Other Additional Information: Option to Loan Split/Subsequent Loan Sequence
  • Other Additional Information: The product includes a combination loan feature.
  • Other Additional Information: The product provides options which includes reduced repayment, repayment holiday and portability features
  • Other Additional Information: The product includes a Relocation Loan End Debt feature
  • Other Additional Information: The product includes Switching (from another product) feature
  • Other Additional Information: Loan Payment Method - Direct Credit, Direct Debit (preferred), Branch Payment, Internet or Phone Banking
  • Other Additional Information: Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security.
  • Other Additional Information: Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request
  • Other Additional Information: Complete your refinance loan application with FASTRefi. A faster and easier refinancing process compared to the standard way - so you could access your new Bank of Melbourne home loan in days, as opposed to weeks. Eligibility applies.
  • Other Additional Information: Cancellation of the package : A package owner may cancel the package at any time by giving us 14 days advance notice in writing.
  • Extra Repayments Additional Information: Subject to terms and conditions, this product includes extra repayment features.
  • Other Additional Information: Maximum repayment term 30 years

Product Eligibility

  • Min Age - 18. Additional Information: Applicant should be 18 years or over
  • Residency Status - Should Be An Australian Or New Zealand Citizen(s) Or Permanent Resident(s).
  • Other Additional Information: Individuals, Trusts (individual and company trustees), Company, Partnership

Bank Fees and Charges

  • Lending Establishment Fee (Upfront), Amount: 600.00.
  • Loan Account Fee (Periodic), Amount: 8.00.
  • Document Processing Fee (Event), Amount: 100.00. Additional Information: The Settlement Processing Fee, is a fee charged as apart of the fees for Loan Establishment. It is the fee charged for the processing of settlement services. These can include document validation, value transaction processing and, conveyancing activities required for mortgage lending settlements.
  • Property Valuer Fee (Variable), Amount: Not Listed.. Additional Information: The Fee starts from $ 164 and the amount payable is dependent on location/value of security property(is)
  • Missed Payment Fee (Event), Amount: 15.00. Additional Information: Fee payable when we send customer an arrears letter relating to an overdue amount
  • Loan Discharge Fee (Event), Amount: 350.00. Additional Information: Per Mortgage
  • Lenders Mortgage Insurance Premium (Variable), Amount: Not Listed.. Additional Information: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance reduces bank's risk as a lender when providing a home loan, you may be able to apply for a home loan and get into your home sooner, with a lower deposit. Lenders Mortgage Insurance insures bank for any shortfall in the event that you default on your loan and if the proceeds from the property sale are not enough to pay off the loan in full. The cost of Lenders Mortgage Insurance is calculated as a percentage of the loan amount. The percentage applied will vary depending on a number of factors. Please speak to your lender if you would like to understand this process in more detail. The cost of Lenders Mortgage Insurance premium is passed on to you. We do not receive a commission on Lenders Mortgage Insurance.
  • Annual Advantage Package Fee (Periodic), Amount: 395.00.
  • Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: Break costs are an amount equal to the Bank's reasonable estimate of its loss due to breaking of the fixed rate period or early repayment of a fixed rate loan.
  • Fixed Rate Lock-in Fee (Event), Amount: 500.00. Additional Information: With the Rate Lock feature, you can lock in the current fixed interest rate. This way, for a fee, you are protected from the possibility of rising interest rates. If the current rate falls below your 'locked in? rate on your settlement date, you'll be given the lower rate. Rate Lock will hold the current fixed rate for up to 90 days after you have locked in the rate for a fee of 0.15% of the loan amount (minimum fee amount $500, maximum charge is capped at $1,000 for loans up to $2M, and 0.15% of the loan amount for loan above $2M)

 Limitations & Restrictions (Constraints)

  • Min Lvr of 0.00
  • Max Lvr of 0.95
  • Min Limit of 10000.00 Additional Information: The minimum amount financed is $10,000
  • Max Limit of 2000000.00 Additional Information: The maximum amount financed is $2,000,000.00

Document Downloads

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
748B Pennant Hills Rd Carlingford NSW 2118
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval, and those rates and products shown will not necessarily be suitable or available. Full terms and conditions will be included in our loan offer. Fees and charges may be payable. Interest rates are subject to change. Some offers and cashbacks do not apply to internal refinances and are only available from certain lenders with qualifying criteria. The information provided on this website (or in any related materials, communications, or tools) is of a general nature only and does not take into account your personal objectives, financial situation, or needs. While we aim to provide helpful and accurate information, it should not be considered financial advice or a substitute for professional consultation. We recommend that you seek personalised advice before making any financial or lending decisions. Please contact us to discuss your specific circumstances and goals. The information provided in our posts, videos, comments, and shared content is for general information purposes only and does not constitute personal financial advice. All views expressed are our own and do not necessarily reflect those of our aggregator, lender partners, or any associated entities. Any examples or scenarios used are illustrative only. Any testimonials or reviews are individual experiences and do not guarantee future outcomes. Social Disclaimer. This page/advertisement is not affiliated with, endorsed by, or sponsored by Facebook®, Meta®, Instagram®, LinkedIn®, YouTube®, Google®, or any of their associated companies. Facebook® and Instagram® are trademarks of Meta Platforms, Inc. LinkedIn® is a trademark of LinkedIn Corporation. YouTube® and Google® are trademarks of Google LLC.

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