Fixed Rate Home Loan
Fixed Rate Home Loan
Category: Home Loans Last Updated December 21, 2025 Effective December 22, 2025
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
5.19% PA
5.19% PA
Comparison Rate
6.53%PA*
6.53%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: 5.49%, Comparison Rate 6.55%
- 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: 5.69%, Comparison Rate 6.56%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/2YRS_LVR<=60%
- Lending Rate Type: Fixed
- Interest Rate: 5.29%, Comparison Rate 6.45%
- 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: 5.49%, Comparison Rate 6.48%
- 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: 5.69%, Comparison Rate 6.51%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
USER-INPUT-RATE/3YRS_LVR<=60%
- Lending Rate Type: Fixed
- Interest Rate: 5.39%, Comparison Rate 6.40%
- 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: 5.59%, Comparison Rate 6.44%
- 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: 5.69%, Comparison Rate 6.46%
- 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.
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