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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%*)

  Own Fixed OO P&I

Own home loan fixed owner occupied, principal and interest
Category: Home Loans  Last Updated July 19, 2022  Effective March 31, 2019

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for variable rate after fixed rate period ends.
Interest Rate
4.69% PA
Comparison Rate
3.78%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..
  1 year fixed LVR 80.01% to 85%
Minimum: 80.01 PERCENT Maximum: 85 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.89%, Comparison Rate 4.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  2 year fixed LVR 0-80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 4.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  2 year fixed LVR 80.01% to 85%
Minimum: 80.01 PERCENT Maximum: 85 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 4.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  3 year fixed LVR 0-80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 4.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  3 year fixed LVR 80.01% to 85%
Minimum: 80.01 PERCENT Maximum: 85 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 4.8%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  5 year fixed LVR 0-80%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 4.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  5 year fixed LVR 80.01% to 85%
Minimum: 80.01 PERCENT Maximum: 85 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 5.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Redraw

 Product Eligibility

  • Employment Status - Payg Income.
  • Min Age - 18.
  • Natural Person Additional Information: Max. 2 borrowers
  • Other Additional Information: Credit criteria, fees and charges apply.
  • Residency Status - Must Be An Australian Citizen Or Permanent Resident. Additional Information: Must be an Australian citizen or permanent resident

 Bank Fees and Charges

  • Missed Payment Management Fee (Event), Amount: 10.00. Additional Information: If a repayment has not been made in full more than 14 days after the due date.
  • Default Notice Fee (Event), Amount: 40.00. Additional Information: If a repayment has not been made in full more than 30 days after the due date.
  • Loan Advance Fee (Upfront), Amount: 250.00. Additional Information: To prepare your loan documents and to arrange settlement of the loan.
  • Rate Lock Fee (Event), Amount: 500.00. Additional Information: (optional) To lock in the annual percentage rate for 90 days from the application date. Fixed rate loans only.
  • Valuation Fee (Upfront), Amount: 0.00. Additional Information: Free for first valuation if under $300. If first valuation cost is over $300, we'll cover the first $300 and any additional amount is charged at cost. Second or further valuations are at cost.
  • Documentation Fee (Event), Amount: 100.00. Additional Information: To issue a new set of loan documents if your requirements change.
  • Valuation Fee (Event), Amount: 0.00. Additional Information: If a new valuation is required at any time during the term of the loan.
  • Discharge Fee (Event), Amount: 300.00. Additional Information: If we discharge a property (security interest) at your request. Charged per security.
  • Production Fee (Event), Amount: 110.00. Additional Information: If we are required to send a certificate of title to another financial institution.
  • Break Costs (Event), Amount: 0.00. Additional Information: Break costs may apply if the borrower; switches, during a fixed rate period, to a different fixed rate or to a variable rate, make additional repayments above the prepayment threshold in any fixed rate term, repay, or are required to repay, the total amount owing for the loan earlier than agreed.
  • Annual Fee (Periodic), Amount: 250.00. Additional Information: $250 per year (after year 1). Covers up to 5 Own home loans

 Limitations & Restrictions (Constraints)

  • Max Limit of 5000000.0
  • Min Limit of 80000.0 Additional Information: Minimum amount per split loan $20,000.00

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