Fixed Rate Home Loan
Fixed Rate Home Loan
Category: Home Loans Last Updated April 7, 2026 Effective April 20, 2026
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 1 YEAR FIXED RATE WITH LVR <= 60%
Interest Rate
6.09% PA
6.09% PA
Comparison Rate
6.15%PA*
6.15%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.
USER-INPUT-RATE/1YR_LVR>60%To<=80%
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.09%, Comparison Rate 6.15%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/1YR_LVR>80%
Minimum: 80.01 PERCENT Maximum: PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.29%, Comparison Rate 6.18%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/2YRS_LVR<=60%
- Lending Rate Type: Fixed
- Interest Rate: 6.14%, Comparison Rate 6.18%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/2YRS_LVR>60%To<=80%
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.14%, Comparison Rate 6.18%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/2YRS_LVR>80%
Minimum: 80.01 PERCENT Maximum: PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.34%, Comparison Rate 6.21%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/3YRS_LVR<=60%
- Lending Rate Type: Fixed
- Interest Rate: 6.19%, Comparison Rate 6.20%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/3YRS_LVR>60%To<=80%
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.19%, Comparison Rate 6.20%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/3YRS_LVR>80%
Minimum: 80.01 PERCENT Maximum: PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.39%, Comparison Rate 6.26%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Digital Banking
- Extra Repayments Additional Information: There is no limit to the extra amount/value of repayments added to the loan as long as the balance owed does not come back to $0.00 or put in a positive position.
- Guarantor
- Npp Enabled
- Redraw
Product Eligibility
- Min Age - 18.
- Natural Person
- Residency Status - Australia.
Bank Fees and Charges
- Loan Establishment Fee (Upfront), Amount: 300.00.
- Loan Administration Fee (Periodic), Amount: 8.00.
- Loan Renegotiation Fee (Event), Amount: 150.00.
- Settlement Disbursement Fee (Upfront), Amount: 5.00.
- Loan Switching Fee (Event), Amount: 150.00.
- Loan Estab Fee - Owner Builder (Upfront), Amount: 500.00.
- Scheduling Fee - Owner Builder (Upfront), Amount: 550.00.
- Progress Draw Fee-construction (Upfront), Amount: 95.00.
- Loan Refixing Fee (Event), Amount: 150.00.
- Cu Solicitor Mtg Discharge Fee (Transaction), Amount: 380.00.
- Mortgage Discharge Fee (Transaction), Amount: 250.00.
- Ppsr Security Interest Fee (Upfront), Amount: 50.00.
- Property Search Fee (Upfront), Amount: 30.00.
- Manual Arrears Transfer Fee (Event), Amount: 5.00.
- Arrears Reminder Fee (Event), Amount: 5.00.
- Final Notice Of Demand (Event), Amount: 40.00.
- Real Time Transfer/npp Fee (Upfront), Amount: 20.00.
- Loan Redraw Fee (Transaction), Amount: 20.00.
- Loan Redraw Fee (Transaction), Amount: 0.00.
Limitations & Restrictions (Constraints)
- Max Lvr of 95.00
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