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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

  1,2,3 or 5 Year Fixed Rate

1,2,3 or 5 Year Fixed Rate
Category: Home Loans  Last Updated December 18, 2025  Effective December 31, 2018

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.84% PA
Comparison Rate
8.36%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: 5.94%, Comparison Rate 8.34%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 8.34%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.84%, Comparison Rate 8.10%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.84%, Comparison Rate 8.10%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 8.09%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 8.09%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 7.89%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 7.89%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 7.90%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 7.90%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 7.55%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 7.55%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 7.55%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 7.55%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 8.76%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 8.76%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 8.78%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 8.78%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 8.45%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.94%, Comparison Rate 8.45%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 8.52%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 8.52%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 8.24%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 8.24%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 8.31%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 8.31%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.84%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 7.84%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 7.93%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 7.93%
Repayment Type: Interest Only
Loan Purpose: Investment

Product Features

  • Other Additional Information: Rate certainty, set your rate for a term of 1,2,3 or 5 years
  • Digital Banking
  • Other Additional Information: Ability to set up automated repayments
  • Other Additional Information: Guaranteed Rate to secure your fixed rate for 90 days following your application
  • Other Additional Information: The choice of Interest Only repayments for a maximum period of five years and subject to you satisfying applicable bank criteria (Interest Only term must match Fixed Rate term)
  • Other Additional Information: Phone Banking
  • Extra Repayments Additional Information: Make extra repayments of up to $500 per month without penalty
  • Other Additional Information: Ability to split the loan balance into multiple loan accounts to take advantage of both fixed and variable interest rates.

Product Eligibility

  • Other Additional Information: Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice

Bank Fees and Charges

  • Arrears Administration Fee (Event), Amount: 20.00. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
  • Copy Of Documents Fee (Event), Amount: 35.00. Additional Information: Payable if we are required to obtain a copy of a document, including Mortgage or title search.
  • Additional Valuation Fee (Event), Amount: 150.00. Additional Information: The first valuation assessment for each loan application is provided by the Bank. If any additional valuation assessments that involve a physical inspection are obtained by us for assessing the loan security, than this fee will apply.
  • Guarantor Fee (Event), Amount: 200.00. Additional Information: Applies if a guarantor is included in the loan. Fee is per guarantor.
  • Renegotiation Fee (Event), Amount: 300.00. Additional Information: Payable when you request a change to the Credit Contract or Security and this change is completed.
  • Loan Finalisation Fee (Event), Amount: 350.00. Additional Information: Applies when a loan is paid out in full, This includes settlements, refinances and payouts.
  • Default Interest (Event), Amount: Not Listed.. Additional Information: The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs.
  • Monthly Account Keeping Fee (Periodic), Amount: 10.00. Additional Information: Please refer to your Credit Contract for detail on when Ongoing Fees are charged.
  • Early Payment Interest Adjustment (epia) (Variable), Amount: Not Listed.. Additional Information: Charged when you, (a) Payout the loan during a Fixed Rate period (b) Pay more than the agreed monthly amount (c) Vary or break out of a Fixed Rate period.
  • Establishment Fee (Upfront), Amount: 600.00. Additional Information: Applies to loans where borrowings are less than 90% of the property value
  • Establishment Fee (Upfront), Amount: 990.00. Additional Information: Applies to loans where borrowings are greater than or equal to 90% of the property value

 Limitations & Restrictions (Constraints)

  • Min Limit of 10000.00 Additional Information: Minimum Loan Balance of $10,000
  • Max Limit of 3750000.00 Additional Information: Maximum Loan Balance of $3,750,000
  • Min Lvr of 0.01 Additional Information: Minimum LVR of 1%
  • Max Lvr of 0.95 Additional Information: Maximum LVR of 95%. Up to 95% for Owner Occupied P&I. Up to 90% for Investment Loans and Interest Only Repayment Type

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