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%*)

  1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers

Special Offer discounts on Fixed rates in your Home Package Plus with New or additional lending of > $150,000
Category: Home Loans  Last Updated December 18, 2025  Effective December 31, 2018

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 1 Year Fixed Rate Term
Interest Rate
5.39% PA
Comparison Rate
5.86%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 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.89%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.89%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <80%
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.02%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80.01 to 90%
Minimum: 0.801 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total Mortgage Lending (TML)
Minimum: $150000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

Product Features

  • Other Additional Information: Rate certainty, set your rate for a term of 1,2,3 or 5 years
  • Digital Banking
  • Other Additional Information: Ability to set up automated repayments
  • Other Additional Information: Guaranteed Rate to secure your fixed rate for 90 days following your application
  • Other Additional Information: No Establishment Fee
  • Other Additional Information: A discounted interest rate when you combine total home lending over $150,000 with an Everyday Options bank account
  • Other Additional Information: The choice of Interest Only repayments for a maximum period of five years and subject to you satisfying applicable bank criteria (Interest Only term must match Fixed Rate term)
  • Other Additional Information: Split your loans in the package to include Variable and Fixed Rate loan/s at no additional cost
  • Other Additional Information: Phone Banking
  • Extra Repayments Additional Information: Make extra repayments of up to $500 per month without penalty

Product Eligibility

  • Other Additional Information: Home Package Plus - New or additional lending of $150,000 +
  • Other Additional Information: Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice

Bank Fees and Charges

  • Additional Valuation Fee (Event), Amount: 150.00. Additional Information: The first valuation assessment for each loan application is provided by the Bank. If any additional valuation assessments that involve a physical inspection are obtained by us for assessing the loan security, than this fee will apply.
  • Guarantor Fee (Event), Amount: 200.00. Additional Information: Applies if a guarantor is included in the loan. Fee is per guarantor.
  • Arrears Administration Fee (Event), Amount: 20.00. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
  • Default Interest (Event), Amount: Not Listed.. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Defualt Interest if an event of default in payment occurs.
  • Loan Finalisation Fee (Event), Amount: 350.00. Additional Information: Applies when a loan is paid out in full, This includes settlements, refinances and payouts.
  • Copy Of Documents Fee (Event), Amount: 35.00. Additional Information: Payable if we are required to obtain a copy of a document, including Mortgage or title seach.
  • Early Payment Interest Adjustment (epia) (Variable), Amount: Not Listed.. Additional Information: Charged when you, (a) Payout the loan during a Fixed Rate period (b) Pay more than the agreed monthly amount (c) Vary or break out of a Fixed Rate period.
  • Home Package Plus Annual Fee (Periodic), Amount: 375.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00 Additional Information: Minimum Loan Balance of $150,000
  • Max Limit of 3750000.00 Additional Information: Maximum Loan Balance of $3,750,000
  • Min Lvr of 0.01 Additional Information: Minimum LVR of 1%
  • Max Lvr of 0.90 Additional Information: Maximum LVR of 90%

Document Downloads

■ ■ ■

 
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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Billions Capital