Product Library

Smart Fixed Rate Home Loan 2 year

for those members who want certainty of repayments

Category: Home Loans Last Updated April 16, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information

Interest Rate
6.04% PA

Comparison Rate
0.00%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.

Product Features

Digital Banking

Other Additional Information: At the end of the fixed rate period the loan can either be refixed or it transfers to the Mortgage Smart Home Loan variable rate

Extra Repayments Additional Information: Up to $10,000 per year

Other Additional Information: split loan allowed

Redraw Additional Information: Allowed - Minimum $500

Product Eligibility

Min Age - 18.

Residency Status - Australian Residency Only.

Other Additional Information: Maximum LVR 95% subject to Lenders Mortgage Insurance approval

Bank Fees and Charges

Mortgage Discharge Fee (Exit), Amount: 536.00. Additional Information: Discharge fees are paid on discharge

Break Cost Fee (Transaction), Amount: 0.00. Additional Information: Fee may apply if part or all of the loan is repaid early

Smart Home Loan Establishment Fee (Upfront), Amount: 822.00. Additional Information: Establishment fees paid on funding (Includes Mortgage Registration Fee)

Limitations & Restrictions (Constraints)

Min Balance of 75000.00

Max Lvr of 0.80 Additional Information: Maximum LVR 80% without Lenders Mortgage Insurance

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