RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.6%  
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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)
Product Library

  2 Year Fixed Home Loan

2 Year Fixed Home Loan
Category: Home Loans  Last Updated April 13, 2026  Effective April 29, 2026

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
6.39% PA
Comparison Rate
7.56%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: 6.39%, Comparison Rate 7.56%
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
  • Insurance
  • Other Additional Information: We've got your valuation and mortgage legal fees covered up to the value of $700
  • Redraw Additional Information: Free online redraw for P&I loans
  • Other Additional Information: Split Loan

Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status - Permanent Australian Residents Or Australian Citizens. Additional Information: Residing in Australia or overseas, where the security provided is in Australia

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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