RBA Cash Rate: 4.10% · 1AUD = 0.72 USD · Inflation: 3.7%  
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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.24% (5.75%*) • Fixed: 5.24% (5.75%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.64% (5.99%*) • Investment PI: 5.44% (5.95%*)
Product Library

  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 Updated November 17, 2025  Effective December 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
  • Other Additional 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
  • Re-issue Loan Documentation Fee (Event), Amount: 300.00.
  • Late Payment (Event), Amount: 25.00.
  • Default Notice Fee (Transaction), Amount: 50.00.
  • Failure To Comply Notice (Event), Amount: 25.00.
  • Rental Or Contract Performance Guarantee (Event), Amount: 500.00. Additional Information: $250 upfront preparation fee plus $250 p.a. (paid in advance)
  • Early Repayment Fee (erf) (Event), Amount: 0.00. Additional Information: Refer to loan contract
  • Production Of Deeds (Event), Amount: 0.00. Additional Information: Charged at cost
  • Special Attendance Fee (Event), Amount: 0.00. Additional Information: Charged at cost
  • Mortgage Default Notice Fee (Event), Amount: 0.00. Additional Information: Charged at cost
  • Copy Of Print Statement - Fee (Event), Amount: 1.50. Additional Information: $1.50 per page

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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