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

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  Billions Capital [ FINANCE SPECIALISTS ]

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%*)

  Everyday Home Loan Investment Fixed 3 year

Everyday Home Loan Investment Fixed 3 year
Category: Home Loans  Last Updated December 17, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED INVESTMENT P&I product. Additional Information
Interest Rate
5.19% PA
Comparison Rate
0.00%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..

Product Features

  • Redraw Additional Information: Unlimited free redraw
  • Other Additional Information: Fortnightly or monthly repayment options
  • Other Additional Information: IO - Premium of 0.20% is added to the rate
  • Extra Repayments Additional Information: Capped at $10,000
  • Other Additional Information: Split Loan

Product Eligibility

  • Other Additional Information: Max 80% LVR without LMI
  • Other Additional Information: Max 90% LVR with LMI
  • Other Additional Information: To be eligible for this rate, a salary credit of $1500 a month must be deposited into a MOVE Bank transaction account

Bank Fees and Charges

  • Home Loan Establishment Fee (Upfront), Amount: 600.00.
  • Dishcharge Fee (Exit), Amount: 350.00.

 Limitations & Restrictions (Constraints)

  • Opening Balance of 100000.00 Additional Information: Minimum loan amount $100,000
  • Max Balance of 3000000.00 Additional Information: Maximum loan amount $3,000,000

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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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