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Product Library

RATES FROM 5.99% (6.02%^*)

3 Year Fixed Home Loan

Rest assured with our fixed rate home loans knowing what your repayment amount will be for the period you have nominated.

Category: Home Loans Last Updated August 17, 2026 Effective August 19, 2026

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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
5.94% PA

Comparison Rate
6.44%PA*

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.

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.

6.09% (6.59%*), >70% LVR, 0.700100% - 0.900000% OO P&I

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

Offset

Redraw

Digital Banking

Npp Enabled

Extra Repayments

Product Eligibility

Natural Person

Bank Fees and Charges

350 Establishment Fee (Upfront), Amount: Not Listed..

150 Offset Fee (Periodic), Amount: Not Listed.. Additional Information: Only payable if OFFSET feature enabled

Legal And Valuation Fees (Cash Advance), Amount: Not Listed.. Additional Information: Third party costs including solicitors, valuers, agent fees & government charges including stamp duty, registration and any other fees we incur as applicable.

Other Fees And Charges May Apply (Cash Advance), Amount: Not Listed.. Additional Information: A full list of fees and charges will be provided if loan is approved. Visit: https://horizonbank.com.au/more/important-info/fees-and-charges/

Limitations & Restrictions (Constraints)

Min Balance of 50000.00

Max Lvr of 0.95

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