3 Year Fixed Home Loan Rate

Our competitive 3 Year Fixed Rate Home Loan allows you to lock in an interest rate for a 3 year period so you know what your mortgage repayments will be. Choose our Home Advantage Package to save.


3 Year Fixed Rate - Owner Occupied
2.59 % PA 4.14 % PA
Rate for new owner occupied loans up to 90% LVR1
Comparison Rate*
Home Advantage Package 3 Year Fixed Rate - Owner Occupied
2.59 % PA 3.28 % PA
Rate for new owner occupied packaged loans up to 90% LVR1
Comparison Rate

  • 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

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