RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.20% (5.24%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.20% (5.24%*) • Investment IO: 5.78% (6.81%*) • Investment PI: 5.49% (6.32%*)

  Fixed Rate Loan

For those who want the certainty of a fixed interest rate and repayment for their preferred term - with added flexibility of a redraw facility.
Category: Home Loans  Last Updated April 24, 2024  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.
Interest Rate
5.94% PA
Comparison Rate
6.83%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..
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 7.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 7.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 7.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 7.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 7.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.10%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 7.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 7.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 7.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.20%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.14%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 7.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking Additional Information: Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.
  • Notifications
  • Npp Enabled
  • Npp Payid Additional Information: Set up a pay ID to receive lightning fast payments.
  • Other Additional Information: Save on paper, receive and view your statements online with eStatements.
  • Redraw Additional Information: Access additional payments made to your home loan. Minimum $500. Maximum $20,000.

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Lending criteria apply.
  • Residency Status - An Eligibility Constraint Based On Residency Status Applies..

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: 300.00.
  • Loan Increase Fee (Upfront), Amount: 300.00.
  • Valuation Fee (Upfront), Amount: 300.00. Additional Information: Valuation Fee - Residential $300; Valuation Fee - Non-Residential is at cost. Includes commercial, rural & rural lifestyle properties over 30ha.
  • Legal Fee (Upfront), Amount: 200.00. Additional Information: Legal Fee - residential $200; Legal Fee - Non Residential at cost.
  • Redraw Fee - Assisted (Transaction), Amount: 25.00.
  • Redraw Fee - Electronic (Transaction), Amount: 0.00.
  • Contract Variation/consent Fee (Event), Amount: 300.00.
  • Mortgage Discharge Fee (Transaction), Amount: 250.00.
  • Quickdebit Dishonour Fee (Event), Amount: 15.00.
  • Loan Administration Fee (Periodic), Amount: 8.00.
  • Guarantee Establishment Fee (Upfront), Amount: 200.00.
  • Valuation Fee - Construction (Upfront), Amount: 800.00. Additional Information: Payable in addition to the Valuation Fee - residential.

 Limitations & Restrictions (Constraints)

  • Min Limit of 30000.00
…

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]
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