Home Loan-Fixed I.O.
Our Fixed Rate Home Loan provides you with the best of both worlds, a fixed rate and the full range of home loan benefits including a 100% offset account. A fixed rate loan gives you certainty of what your regular repayment will be for up to 3 years.
Category: Home Loans Last Updated October 9, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a FIXED Interest Only product. Additional Information 1 Year Fixed Rate Loan (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.
Interest Rate
6.44% PA
6.44% PA
Comparison Rate
8.62%PA*
8.62%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..
, FIXED, 6.64%
- Lending Rate Type: Fixed
- Interest Rate: 6.64%, Comparison Rate 8.64%
- Repayment Type: Interest Only
- Loan Purpose:
, FIXED, 6.44%
- Lending Rate Type: Fixed
- Interest Rate: 6.44%, Comparison Rate 8.39%
- Repayment Type: Interest Only
- Loan Purpose:
, FIXED, 6.64%
- Lending Rate Type: Fixed
- Interest Rate: 6.64%, Comparison Rate 8.43%
- Repayment Type: Interest Only
- Loan Purpose:
, FIXED, 6.44%
- Lending Rate Type: Fixed
- Interest Rate: 6.44%, Comparison Rate 8.19%
- Repayment Type: Interest Only
- Loan Purpose:
, FIXED, 6.64%
- Lending Rate Type: Fixed
- Interest Rate: 6.64%, Comparison Rate 8.25%
- Repayment Type: Interest Only
- Loan Purpose:
Product Features
- Digital Banking
- Offset
- Other Additional Information: Payments can be arranged weekly, fortnightly or monthly.
- Other Additional Information: Loan Terms up to 30 Years.
- Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI).
- Other Additional Information: Available for interest only repayments to approved applicants.
- Other Additional Information: Able to pay up to an extra $10,000 per year in addition to your contracted repayments.
- Redraw Additional Information: Redraw facility on owner-occupied home loans.
Product Eligibility
- Min Age - 18.
- Natural Person
- Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI) or up to 95% (owner occupied) or 90% (investment) where LMI is approved.
- Residency Status - Loans Are Available To Members Of The Bank Who Are Permanent Residents Of Australia And Currently Live In Australia..
Bank Fees and Charges
- Mortgage Establishment Fee (Upfront), Amount: 250.00.
- Mortgage Document Fee (Upfront), Amount: 250.00.
- Loan Maintenance Fee (Periodic), Amount: 10.00.
- Other Credit Fees (Event), Amount: 0.00. Additional Information: Refer to our Fees and charges brochure for information on other fees and charges which may apply.
Document Downloads
brochure-account-access-facility.pdf (203.0 KB)
brochure-fees-charges.pdf (661.7 KB)
Like this Mortgage Product?
Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest