Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Category: Home Loans Last Updated April 30, 2024 Effective May 3, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate 5.59% PA
Comparison Rate 6.25%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 >70% to <=80% discount
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR >60% to <=70% discount
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR <=60% discount
Minimum: 0.01 PERCENT Maximum: 60 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.59%, Comparison Rate 6.25%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Product Features
Digital Banking
Npp Enabled
Product Eligibility
Min Age - 18.
Residency Status - Must Be An Australian Resident.
Natural Person
Bank Fees and Charges
Discharge Fee (Exit), Amount: 165.00. Additional Information: Payable for standard partial or full discharges.
Early Termination Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you repay your loan or change to a variable interest rate during the fixed rate period. Applicable to fixed term loans only. Interest differential as defined in the loan contract + $200 administration fee is payable.
Early Payment Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you make extra repayments that exceed $10,000 per annum during any fixed period. Applicable to fixed term loans only. Interest differential as defined in the loan contract is payable.
Mortgage Top Up Fee (Event), Amount: 350.00. Additional Information: Payable for further advance. Valuation fees are payable at cost.
Interest Rate Lock Fee (Event), Amount: 500.00. Additional Information: Payable at the time of application if you elect to lock-in your interest rate for a period of 90 days from the date you apply for your loan.
Substitution Of Mortgage Security (single Property) Fee - For New Loans (Event), Amount: 350.00. Additional Information: Payable for substitution of a mortgage security
Default Enforcement Expenses (Variable), Amount: Not Listed.. Additional Information: May apply if enforcement services are required as part of default administration
Substitution Of Mortgage Security (single Property) Fee - For Variations (Event), Amount: 200.00. Additional Information: Payable for substitution of a mortgage security
Company / Trust - Borrower / Guarantor Party Fee Company Search And Review Fee (Event), Amount: 150.00. Additional Information: Payable for each company or trust borrower / guarantor party on the loan.
Additional Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost
Establishment Fee (Upfront), Amount: 900.00. Additional Information: Establishment Fee includes valuation fee up to $300, title search, document preparation and settlement fees - document generation, distribution of documents, verification of returned documents, verification of search requirements, settlement booking, settlement attendance (PEXA or paper) and lodgement of title documents
