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Example Interest Rates: Home Loan Variable: 2.54% (2.74%*) • Home Loan Fixed: 3.74% (3.8%*) • Fixed: 2.48% (2.94%*) • Variable: 2.54% (2.74%*) • Investment IO: 2.3% (3.76%*) • Investment PI: 2.04% (3.8%*)

  Fixed Rate Home Loan

Our Fixed Options Home Loan has a fixed interest rate and set repayments that won't change during the fixed term so you can lock in certainty.
Category: Home Loans  Last Updated July 29, 2022  Effective August 3, 2022

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
4.79% PA
Comparison Rate
5.77%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 usually vary based on the LVR and other conditions..
  LVR up to 70.00%
  1 year standard fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 6.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  1 year standard fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate 6.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  1 year standard fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.19%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  1 year standard fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 4.89%, Comparison Rate 5.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  1 year standard fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  1 year standard fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.09%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  1 year standard fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.37%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 6.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  2 year standard fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.42%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  3 year standard fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.1%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  4 year standard fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.7%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  5 year standard fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  1 year standard Bundle Discount Fixed rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  2 year standard Bundle Discount Fixed rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  3 year standard Bundle Discount Fixed rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  4 year standard Bundle Discount Fixed rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR up to 70.00%
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR up to 70.00%
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 95 PERCENT
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  5 year standard Bundle Discount Fixed rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  1 year standard discount rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  1 year standard discount rate
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  2 year standard discount rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  2 year standard discount rate
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  3 year standard discount rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  3 year standard discount rate
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  4 year standard discount rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  4 year standard discount rate
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  5 year standard discount rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  5 year standard discount rate
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Discount
  • Interest Rate: 0.2%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  1 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  1 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  2 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  2 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  3 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  3 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  4 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  4 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR up to 70.00%
  5 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR above 70.00%
Minimum: 70 PERCENT Maximum: 90 PERCENT
  5 year standard Bundle Discount Fixed rate with Interest only in Advance repayment option
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Bundle Discount Fixed
  • Interest Rate: 0.4%, Comparison Rate N/A%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Repay faster and save interest : You can make and redraw up to $30,000 in extra repayments, with no fees or break costs.
  • Other Additional Information: Set up interest only repayments : You can apply to pay interest only for a total of up to 5 years over the life of the loan (a higher rate may apply).
  • Other Additional Information: Certainty : Managing your money is easier, because you lock in the same rate and repayments for up to 5 years
  • Other Additional Information: Lock in your home loan rate : Fix your home loan rate in at the time of your approval and you'll guarantee your rate won't change before settlement. (A 0.1% fee of the loan balance applies).
  • Complementary Product Discounts
  • Cashback Offer Additional Information: Get $2K cashback when you refinance with us. Apply by 31st October 2022, settle by 31st January 2023. Owner Occupier loans (P&I repayments) and Investment Property Loans, with LVR+ up to 80% and min $250k loan. Flexi First Option or packaged home loans only ($395 annual package fee). Only one cashback offer available per primary applicant within a 12 month period. Excludes refinances within Westpac Group.
  • Digital Banking
  • Other Additional Information: Repayment frequencies includes weekly, fortnightly or monthly
  • Other Additional Information: Take your home loan with you : Selling a property and buying a new one? Your existing home loan could go with you at the same rate with no break fees. Conditions apply.
  • Other Additional Information: Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request
  • Other Additional Information: Package can include the following : 1. Package residential home and investment loans 2. Package Portfolio Loan 3. Package full interest offset facility 4. Package credit card 5. Package Insurance
  • Other Additional Information: Cancellation of the package : A package owner may cancel the package at any time by giving us 14 days advance notice in writing.
  • Other Additional Information: Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security.
  • Other Additional Information: Building Loan Feature: A specialised lending option that is available on selected Westpac loan products. Allows the customer to progressively draw down what is needed to cover the build of their residential property over the construction period.
  • Other Additional Information: Total loan term is up to 30 years while fixed rate terms is from 1 to 5 years.

 Product Eligibility

  • Min Age - 18. Additional Information: 18+ years old
  • Residency Status - Those With An Australian Permanent Residency And Who Are Currently In Australia.
  • Natural Person

 Bank Fees and Charges

  • Lending Establishment Fee (Upfront), Amount: 600.00.
  • Loan Account Fee (Periodic), Amount: 8.00.
  • Guarantor Fee (Event), Amount: 200.00.
  • Bank Cheque Issuance Fee (Event), Amount: 10.00. Additional Information: $10 per cheque (1st cheque is free)
  • Fixed Rate - Lock-in Fee (Event), Amount: Not Listed.. Additional Information: 0.10% of loan amount for new lending 0.10% for refixes. Rate lock is not available for progress draw loans under the construction option.
  • Fixed Rate - Re-fix Fee (Event), Amount: 150.00. Additional Information: Fee to re-fix your interest rate at the end of the fixed rate term
  • Switch Loan Or Split Balance Fee (Event), Amount: 300.00.
  • Break Cost (Variable), Amount: Not Listed..
  • Administration Fee (Event), Amount: 300.00.
  • Missed Payment Fee (Event), Amount: 15.00.
  • Document Processing Fee (Event), Amount: 150.00.
  • Default Notice Fee (Event), Amount: 85.00.
  • Mortgage Insurance Administration Fee (Event), Amount: 90.00.
  • Outward Dishonour Fee (Event), Amount: 0.00.
  • Account Overdrawn Fee (Event), Amount: 15.00.
  • Loan Discharge Fee (Event), Amount: 350.00.
  • Annual Package Fee (Periodic), Amount: 395.00. Additional Information: For customers opting for Premier Advantage Package
  • Lenders Mortgage Insurance Premium (Variable), Amount: Not Listed.. Additional Information: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance reduces bank's risk as a lender when providing a home loan, you may be able to apply for a home loan and get into your home sooner, with a lower deposit. Lenders Mortgage Insurance insures bank for any shortfall in the event that you default on your loan and if the proceeds from the property sale are not enough to pay off the loan in full. The cost of Lenders Mortgage Insurance is calculated as a percentage of the loan amount. The percentage applied will vary depending on a number of factors. Please speak to your lender if you would like to understand this process in more detail. The cost of Lenders Mortgage Insurance premium is passed on to you. We do not receive a commission on Lenders Mortgage Insurance.

 Document Downloads

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