RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.44% (6.26%*) • Fixed: 5.44% (6.26%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.84% (7.27%*) • Investment PI: 5.84% (6.19%*)

  1,2,3 or 5 Year Fixed Rate

1,2,3 or 5 Year Fixed Rate
Category: Home Loans  Last Updated December 4, 2024  Effective December 31, 2018

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied Interest Only product. Additional Information
Interest Rate
6.24% PA
Comparison Rate
8.73%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..
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 9.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR <95%
Minimum: 0.001 PERCENT Maximum: 0.95 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.80%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 8.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR <95%
Minimum: 0.001 PERCENT Maximum: 0.95 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR <95%
Minimum: 0.001 PERCENT Maximum: 0.95 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 8.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.65%, Comparison Rate 9.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 9.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 9.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 9.13%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.84%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 8.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <90%
Minimum: 0.001 PERCENT Maximum: 0.9 PERCENT
  Total Mortgage Lending (TML)
Minimum: $10000.00 Maximum: $3750000.00
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 8.47%
  • 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: 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: Phone Banking

 Product Eligibility

  • 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

  • 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.
  • 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 search.
  • 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.
  • Renegotiation Fee (Event), Amount: 300.00. Additional Information: Payable when you request a change to the Credit Contract or Security and this change is completed.
  • Loan Finalisation Fee (Event), Amount: 350.00. Additional Information: Applies when a loan is paid out in full, This includes settlements, refinances and payouts.
  • Default Interest (Event), Amount: Not Listed.. 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.
  • Monthly Account Keeping Fee (Periodic), Amount: 10.00. Additional Information: Please refer to your Credit Contract for detail on when Ongoing Fees are charged.
  • 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.
  • Establishment Fee (Upfront), Amount: 600.00. Additional Information: Applies to loans where borrowings are less than 90% of the property value
  • Establishment Fee (Upfront), Amount: 990.00. Additional Information: Applies to loans where borrowings are greater than or equal to 90% of the property value

 Limitations & Restrictions (Constraints)

  • Min Limit of 10000.00 Additional Information: Minimum Loan Balance of $10,000
  • Max Limit of 3750000.00 Additional Information: Maximum Loan Balance of $3,750,000

 Document Downloads