RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.6%  
Leading Digital Marketing Experts | 1300 235 433 | Aggregation Enquires Welcome | Book Appointment
1300235433
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

  1,2,3 or 5 Year Fixed Rate

1,2,3 or 5 Year Fixed Rate
Category: Home Loans  Last Updated April 7, 2026  Effective December 31, 2018

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
6.59% PA
Comparison Rate
8.64%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: 6.94%, Comparison Rate 8.43%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 8.43%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 8.87%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 8.87%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 8.80%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 8.80%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 9.06%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 9.06%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.99%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.99%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 9.30%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 9.30%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 9.28%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 9.28%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.14%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.14%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.15%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.15%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.46%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 8.46%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.45%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.45%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.63%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.63%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.64%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.64%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.87%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 8.87%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.89%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.89%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

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

  • 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.
  • 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.
  • 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.
  • 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
  • Guarantor Fee (Event), Amount: 200.00. Additional Information: Applies if a guarantor is included in the loan. Fee is per guarantor.
  • Loan Finalisation Fee (Event), Amount: 350.00. Additional Information: Applies when a loan is paid out in full, This includes settlements, refinances and payouts.
  • Monthly Account Keeping Fee (Periodic), Amount: 10.00. Additional Information: Please refer to your Credit Contract for detail on when Ongoing Fees are charged.
  • 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.

 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

Document Downloads

■ ■ ■

Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest
      REVIEW