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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%*)

  1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)

A fixed rate for 1 year for owner occupiers 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 July 15, 2022  Effective July 14, 2022

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
2.89% PA
Comparison Rate
NAPA*
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..
  OWNER_OCCUPIED, VARIABLE, 2.89%
  • Lending Rate Type: Variable
  • Interest Rate: 2.89%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 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.
  • Construction Loan Application Fee (Upfront), Amount: 1500.00. Additional Information: Includes application fee, inspection fees and drawdown fees throughout construction period. Legal fees are paid in addition to this and are at cost.
  • Loan Variation Fee (Event), Amount: 250.00. Additional Information: Includes loan split requests, additional splits, looan 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: 125.00.
  • 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
  • Lenders Mortgage Insurance (lmi) (Event), Amount: 0.00. Additional Information: LMI fees and charges available on application
  • Copy Of Statement (Event), Amount: 3.00. Additional Information: For subsequent statements the fee is $1.50 per page.
  • Staff Assisted Transfer (Event), Amount: 2.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00

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