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Example Interest Rates: Home Loan Variable: 2.54% (2.74%*) • Home Loan Fixed: 3.74% (3.8%*) • Fixed: 2.48% (2.94%*) • Variable: 2.54% (2.74%*) • Investment IO: 2.3% (3.76%*) • Investment PI: 2.04% (3.8%*)

  Fixed Investment Loan Package

Our Fixed Home & Investment Loan Packages are a great choice to help you plan your budget while saving you extra money with rate and fee discounts on your loan, and on a wide range of products and services; all for one annual fee.
Category: Home Loans  Last Updated November 15, 2021  Effective August 3, 2022

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT P&I product. Additional Information Fixed Investment Loan Package (>80% LVR) 1 Year
Interest Rate
5.24% PA
Comparison Rate
4.34%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..
  INVESTMENT, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 4.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 4.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 5.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 5.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Fixed Investment Loan Package (<80% LVR) 1 Year
  • Lending Rate Type: Discount
  • Interest Rate: 0.15%, Comparison Rate 4.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Fixed Investment Loan Package (<80% LVR) 2 Year
  • Lending Rate Type: Discount
  • Interest Rate: 0.15%, Comparison Rate 4.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Fixed Investment Loan Package (<80% LVR) 3 Year
  • Lending Rate Type: Discount
  • Interest Rate: 0.15%, Comparison Rate 4.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Fixed Investment Loan Package (<80% LVR) 4 Year
  • Lending Rate Type: Discount
  • Interest Rate: 0.15%, Comparison Rate 4.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Fixed Investment Loan Package (<80% LVR) 5 Year
  • Lending Rate Type: Discount
  • Interest Rate: 0.15%, Comparison Rate 5.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment

 Product Features

  • Digital Banking
  • Other Additional Information: Choose from a range of Home and Investment Loan options: Variable Package, 1 year or 2 year Fixed Package, Standard Variable or Basic Variable Loans.
  • Other Additional Information: Flexible repayment frequency - pay weekly, fortnightly or monthly.
  • Other Additional Information: $0 Visa Credit Card Annual Fee - save $59.
  • Other Additional Information: Rate-lock facility - guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds.
  • Other Additional Information: Make extra repayments up to $10,000 per year.
  • Other Additional Information: There are no restrictions to the number of loans you can combine in a package, so if you’re considering mutiple loans, the one annual fee covers both your home and investment loans.
  • Other Additional Information: $0 Personal Loan Application Fee - save $250
  • Other Additional Information: Family Guarantees can help applicants get into their home sooner by reducing the amount of deposit required

 Product Eligibility

  • Natural Person - Personal Members Only.
  • Residency Status - Permanent Residents Of Australia Who Reside In Australia At The Time Of Membership Application Are Eligible For Membership, Regardless Of Citizenship Status..
  • Min Age - 18 Years And Over.
  • Other - Terms, Conditions, Fees, Charges And Lending Criteria Apply And Are Available On Application.

 Bank Fees and Charges

  • Security Handling Fee (Event), Amount: 150.00. Additional Information: Charged per occurrence. Payable in the following circumstances; deed of priority, title production, variation of priority, consent or name change.
  • Portability Fee (Event), Amount: 300.00. Additional Information: Charged per occasion when you wish to change the security(ies) against an existing loan(s) and there is no change to the existing loan(s) amount, loan interest rate or type, term of the loan(s), product type, borrowers or mortgagors. Discharge fees may also apply.
  • Discharge Of Mortgage (Event), Amount: 350.00. Additional Information: For the preparation of a discharge of mortgage.
  • Progress Draw Fee (Event), Amount: 400.00. Additional Information: Payable per property when a loan will be drawn progressively for either construction or major renovation purposes. The fee includes the cost of all progress draws and the final inspection.
  • Documentation Fee (Event), Amount: 200.00. Additional Information: Payable in the following circumstances: preparation of an additional mortgage; preparation of a guarantee; or where documents have been cancelled or redone, at your request, after contracts have been issued.
  • Monthly Fee (Periodic), Amount: 8.00.
  • Rate Lock Option (Event), Amount: Not Listed.. Additional Information: Optional charge for fixed interest rate loans to hold the advertised interest rate at the time of your application or where you refix your loan for an approved period.
  • Break Cost Fee (Event), Amount: 0.00. Additional Information: Break Cost Fees apply to Fixed Rate Loans only. A Break Cost Fee will be payable by you where a ‘Break Event’ occurs. Refer to the Lending Terms & Conditions document for the definition of a ‘Break Event’ and for details of how a Break Cost fee is calculated.
  • Annual Fee (Periodic), Amount: 395.00. Additional Information: There are no restrictions to the number of loans you can combine on a package, so if you’re considering investment properties, the one annual fee covers both your home and investment loans.
  • Application Fee (Event), Amount: 600.00.
  • Top Up Fee (Event), Amount: 400.00. Additional Information: Payable when you request and we approve additional funds to your existing borrowings and there is no change to the security or borrowers.
  • Settlement Fee (Event), Amount: 150.00.
  • Valuation Fee (Event), Amount: 0.00. Additional Information: Valuation Fee at cost and payable by member.

 Limitations & Restrictions (Constraints)

  • Min Limit of 100,000.00 Additional Information: To qualify for our package you need to have a minimum of home loans totalling $100,000 in eligible package products.

 Document Downloads

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