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Fixed Rate Loan

Fixed interest rate home loans for terms of one to five years.
Category: Home Loans  Last Updated May 25, 2021  Effective May 21, 2000

 General Lending Rates

Rates listed below are for a FIXED OWNER_OCCUPIED PRINCIPAL_AND_INTEREST. Additional Information Owner occupier - Principal & Interest.
Interest Rate
2.69%PA
Comparison Rate
3.99%PA*
Product rates will vary depending upon your financial position. 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.

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Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, FIXED, 2.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 3.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 3.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.14%, Comparison Rate 3.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 4.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.39%, Comparison Rate 3.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.44%, Comparison Rate 3.7%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 3.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.04%, Comparison Rate 3.7%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 2.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 4.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 4.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 4.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.64%, Comparison Rate 4.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.64%, Comparison Rate 3.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 4.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 4.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 4.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.94%, Comparison Rate 4.6%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.94%, Comparison Rate 4.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Complementary Product Discounts Additional Information: Breathe easier and save 30% on new policies when you combine home with contents insurance online.
  • Digital Banking
  • Notifications Additional Information: Receive SMS notifications when your balance is above or below an amount, a deposit is made or when your salary is deposited.
  • Other Additional Information: It's free to make additional repayments (less than $10,000 per settlement anniversary).
  • Bonus Rewards Additional Information: Just add Orange Everyday to your home loan, and you’ll get free ATMs across Australia, a rebate on fees from any ATM worldwide within 5 business days, and we’ll also rebate our ING international transaction fees.

 Product Eligibility

  • Min Age - 18. Additional Information: You must be aged 18 or over.
  • Residency Status - Au. Additional Information: Available to Australian citizen or Australian permanent resident.
  • Residency Status - Nz. Additional Information: Available to New Zealand citizens living in Australia.
  • Other Additional Information: Have and maintain an Australian residential address.

 Bank Fees and Charges

  • Annual Fee (Periodic), Amount: 0.00. Additional Information: There are no monthly, annual or transaction fees.
  • Settlement Fee (Event), Amount: 299.00. Additional Information: For each loan application and is charged at settlement.
  • Combination Loan (Event), Amount: 100.00. Additional Information: If applying for more than one loan, a split fee of $100 for each additional loan is payable.
  • Change To Letter Of Offer (Event), Amount: 250.00. Additional Information: This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement.
  • Swift (Event), Amount: 35.00.
  • Additional Statements (Event), Amount: 7.00. Additional Information: $7 for each statement period.
  • Trace Request (Event), Amount: 60.00. Additional Information: $60 an hour.
  • Audit Certificate Completed (Event), Amount: 25.00.
  • Special Answer Fee (Event), Amount: 30.00.
  • Increase/decrease To Loan Amount (Event), Amount: 250.00.
  • Product Switch (Event), Amount: 250.00. Additional Information: Automatically switches to a variable Mortgage Simplifier at the end of the fixed term free of charge. Break cost may be payable if at any time before the fixed term expires, you change your loan type.
  • Substitution Of Security (Event), Amount: 250.00.
  • Discharge Full And Partial (Event), Amount: 250.00.
  • Consent To Subdivision/2nd Mortgage (Event), Amount: 250.00.
  • Removal Or Change To Borrowers Or Guarantors (Event), Amount: 250.00.
  • Dishonoured Cheque (Event), Amount: 9.00.
  • Direct Debit Rejected (Event), Amount: 9.00. Additional Information: $9 for each direct debit rejected.
  • Arrears Reminder Letter (Event), Amount: 20.00. Additional Information: $20 for each letter.
  • Arrears Default Letter (Event), Amount: 40.00. Additional Information: $40 for each letter.
  • Fixed Rate Application Fee (Event), Amount: 499.00. Additional Information: Applies for a standard fixed rate loan (where one security property is attached).
  • Fixed Rate Lock In (Event), Amount: 749.00. Additional Information: Charged to lock in your fixed rate prior to settlement and is charged per fixed rate loan account.

 Limitations & Restrictions (Constraints)

  • Opening Balance of 50000.00
  • Max Balance of 3000000.00

Related Home Loans

Related Fixed Home Loans
Interest*
1.89%
Comparison*
2.15%
   
1.85%
2.24%
   
2.19%
2.24%
   
2.24%
2.24%
   
Related Variable Home Loans
Interest*
1.95%
Comparison*
1.99%
   
1.95%
1.99%
   
1.99%
2.01%
   
2.09%
2.05%
   
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