Fixed home loan

Unexpectedly flexible

Fixed Home loans

Owner occupied and investment purposes

1 year fixed

Principal and interest
Interest rate:

4.59% p.a.1

Comparison rate:
Comparison rate warning

3.40% p.a.*

2 year fixed

Principal and interest
Interest rate:

5.49% p.a.1

Comparison rate:
Comparison rate warning

3.68% p.a.*

3 year fixed

Principal and interest
Interest rate:

5.69% p.a.1

Comparison rate:
Comparison rate warning

3.92%p.a.*

1 year fixed

Interest only
Interest rate:

5.29% p.a.1

Comparison rate:
Comparison rate warning

3.46% p.a.*

2 year fixed

Interest only
Interest rate:

5.69% p.a.1

Comparison rate:
Comparison rate warning

3.71% p.a.*

3 year fixed

Interest only
Interest rate:

5.89% p.a.1

Comparison rate:
Comparison rate warning

3.95% p.a.*

Simple

There's no monthly or annual fees, plus we don't limit how much you can repay each year. 3

Flexible

Make extra repayments, access redraw and benefit from a 100% offset account at no extra cost.

Fair

Whether you're borrowing for the home you live in or an investment, you can access the same rate for principal and interest repayments.

$0

Monthly fee

No ongoing monthly fees to keep things simple.

$0

Annual fee

No recurring annual fees to remember.

$500

Application fee

Includes standard valuation & legal fees.  

$0

Online redraw

Redraw funds in advance via Internet Banking.

100%

Offset account

A 100% offset account is included at no extra cost.

30

Years

Spread your repayments over terms up to 30 years.

$50,000

Min loan amount

The minimum loan amount for new loans.

95%

Maximum LVR 2

You can borrow up to 95% of the property value. 2

Stay resilient

When it comes to your home loan, choosing a fixed rate is one way to keep repayments predictable for a term to make budgeting easier. Take a look at our other tips to help you stay resilient when it comes to your mortgage.

Find out more

How to apply

You can apply for a home loan online or over the phone. One of our Mortgage Specialists will guide you through the whole process.

How an offset works

A quick overview of exactly how an offset account works so you can take advantage of one.

Read more

Moving home loans?

If you're thinking of moving your home loan, here's just some of the ways you could benefit.
Read more

Pay your loan off faster

Here's our tips on how to get ahead on your home loan and pay it off sooner.

Read more

You can view Target Market Determinations here

Credit eligibility criteria, terms & conditions, fees & charges apply.

1 Rates for new loans are current as at 15/07/22 and subject to change without notice. For fixed rate home loans, after the fixed interest period, the interest rate on the loan reverts to the street smart variable rate at the time. Break costs may apply for fixed home loans, please refer to your terms and conditions for more information.

2 Some suburb exclusions apply. Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%.
3 Break costs may apply to fixed loans, please refer to your terms and conditions for more information.
4 Additional valuation and government fees may apply.

*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.