Fixed Home Loan Rates

Our 1, 2, 3 or 5 year fixed home loans offer a range of features including unlimited extra repayments, award-winning service and our People first commitment.

Features

  • Certainty

    • Lock in a competitive home loan rate for a fixed term
    Certainty of repayments to confidently budget your expenses

  • Freedom

    • Enjoy the freedom of being able to make unlimited additional repayments without penalty
    Access your additional repayments made in advance via online redraw

  • Package your eligible home loan and credit card

    • Choose our Home Advantage Package to receive competitive package benefits

  • People first service 

    • People first service and commitment to our customer-owned values

More features

  • Fixed loans from $20,000
  • Ability to use repayments in advance towards your loan instalments
  • Repayments calculated monthly. However, you can make payments as frequently as you choose within each month to pay the monthly amount due
  • Interest only repayment option available for investment loans, for up to 5 years
  • Family guarantee options available
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Rates

1 Year Fixed Rate - Owner Occupied
2.39 % PA 4.44 % PA
New 2-Year Fixed Owner Occupied (Principal & Interest) Loans of $20,000+ up to 90% LVR1
Comparison Rate* See Comparison Rate warning
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2 Year Fixed Rate - Owner Occupied
2.19 % PA 4.23 % PA
New 2-Year Fixed Owner Occupied (Principal & Interest) Loans of $20,000+ up to 90% LVR1
Comparison Rate* See Comparison Rate warning
Learn more
3 Year Fixed Rate - Owner Occupied
2.19 % PA 4.04 % PA
New 2-Year Fixed Owner Occupied (Principal & Interest) Loans of $20,000+ up to 90% LVR1
Comparison Rate* See Comparison Rate warning
Learn more
5 Year Fixed Rate - Owner Occupied
2.59 % PA 3.87 % PA
New 2-Year Fixed Owner Occupied (Principal & Interest) Loans of $20,000+ up to 90% LVR1
Comparison Rate* See Comparison Rate warning
Learn more
Fees

Application Fee $600
Monthly Fee $8
Online Redraw (on eligible loan accounts) $0
Settlement Fee $150
Loan Finalisation Fee $300
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These articles may help you

What is LVR?

Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
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How much money can I borrow?

How much money you can borrow will depend on a number of things. Here's four to consider.
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Building equity in your property

Having equity in your home means the value of your property is more than how much you owe on it. Check out our tips on building your equity and how you might consider using it. 
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Buying a home

See all our articles about Buying a Home.
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We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

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