3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)
A fixed rate for 3 years for investors wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.
Category: Home Loans Last UpdatedNovember 17, 2025EffectiveDecember 22, 2025
General Lending Rates
Rates listed below are for a FIXED INVESTMENT P&I product. Additional Information The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate 4.89% PA
Comparison Rate 5.26%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 Features
Offset
Redraw
OtherAdditional Information:No penalty for extra repayments
Product Eligibility
Natural Person
Min Age - 18.
Residency Status - Australian Citizen Or Permanent Residency Only.
Bank Fees and Charges
Home Loan Application Fee (Upfront), Amount: 500.00. Additional Information: Includes application, one legal and standard valuation fee free for first application, for one security only.
Loan Variation Fee (Event), Amount: 250.00. Additional Information: Includes loan split requests, additional splits, loan top up on existing loan, substitution of security, loan re-fix fee and loan switches (loan switching to a different loan type)
Special Attendance (Event), Amount: 300.00. Additional Information: $300 + at cost fees