RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  
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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
Product Library

  MORTGAGE 1YR FIXED OWNER OCCUPIED P&I IO

MORTGAGE 1YR FIXED OWNER OCCUPIED P&I IO
Category: Home Loans  Last Updated December 4, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.09% PA
Comparison Rate
7.02%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

  • Redraw Additional Information: Minimum Free
  • Digital Banking Additional Information: Online Banking The Mac App
  • Npp Payid
  • Npp Enabled
  • Free Txns Additional Information: Fee free trransaction accounts
  • Extra Repayments Additional Information: Unlimited

Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Maximum term

Bank Fees and Charges

  • Application Fee (Upfront), Amount: 400.00.
  • Application Fee Bridging Loan (Upfront), Amount: 800.00.
  • Application Fee Top Up (Upfront), Amount: 300.00.
  • Collection Fee (Variable), Amount: 0.00. Additional Information: At cost fee
  • Default Notices (Upfront), Amount: 55.00.
  • General Consent Fee (Upfront), Amount: 150.00.
  • Legal Fee (Variable), Amount: 0.00. Additional Information: At cost
  • Mortgage Discharge Fee (Upfront), Amount: 200.00.
  • Production Of Title Deed Fee (Upfront), Amount: 150.00.
  • Substitution Of Security Fee (Upfront), Amount: 250.00.
  • Switching Fee (Upfront), Amount: 50.00.
  • Valuation Fee (Variable), Amount: 220.00. Additional Information: Valuation charged at cost

 Limitations & Restrictions (Constraints)

  • Min Balance of 25000.00

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