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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

  3 Year Fixed Home Loan

3 Year Fixed Home Loan
Category: Home Loans  Last Updated December 11, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
4.99% PA
Comparison Rate
6.69%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 Variations

Product rates and conditions will vary based on the LVR and other conditions..

Lending Rate Type: Fixed
Interest Rate: 4.99%, Comparison Rate 6.69%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 4.99%, Comparison Rate 6.69%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 4.99%, Comparison Rate 6.69%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

  • Extra Repayments Additional Information: No penalty for extra repayments up to $30,000.00
  • Other Additional Information: No monthly fees
  • Other Additional Information: We've got your valuation and mortgage legal fees covered up to the value of $700
  • Insurance
  • Redraw Additional Information: Free online redraw for P&I loans
  • Other Additional Information: Split Loan

Product Eligibility

  • Min Age - 18.

Bank Fees and Charges

  • Home Loan Establishment Fee (Upfront), Amount: 700.00. Additional Information: waived on the classic plus package
  • Standard Settlement Fee (Upfront), Amount: 195.00. Additional Information: Applies once only per standard loan facility and waived on the classic plus package.
  • Construction Settlement Fee (Upfront), Amount: 295.00. Additional Information: Applies once only per construction loan facility
  • Split Loan Fee (Event), Amount: 25.00. Additional Information: Applies per additional loan split and waived on the classic plus package
  • Fixed Interest Rate Cap Fee (Event), Amount: Not Listed.. Additional Information: Payable if you wish to lock a fixed interest rate at the time of application for 60 days. The fee is deducted from loan proceeds at settlement.
  • Paper Redraw Fee (Event), Amount: 25.00. Additional Information: Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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