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You can apply online, by calling 13 11 82 or by visiting your nearest branch.
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    Key benefits of this loan

    Flexible repayment frequency - pay weekly, fortnightly or monthly
    Rate-lock facility
    Split-loan interest rate option

    Rates

    Check out our Fixed Rate Home Loan rates!
    First Home Buyer
    • Fixed loan term
    • 1 year
    View home loan rates
    Principal and Interest
    Loan to Value Ratio (LVR) up to 80%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 95%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 80%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 95%
    Loan size $20,000+
    Apply online
    Principal and Interest - First Home Buyer Offer
    Loan to Value Ratio (LVR) up to 80%
    Loan size $20,000+
    Apply online
    Principal and Interest - First Home Buyer Offer
    Loan to Value Ratio (LVR) up to 95%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 80%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 95%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 80%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 95%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 80%
    Loan size $20,000+
    Apply online
    Principal and Interest
    Loan to Value Ratio (LVR) up to 95%
    Loan size $20,000+
    Apply online

    Product overview

    Lock in a competitive fixed interest rate for between one and five years with the option of flexible repayment frequencies (weekly, fortnightly or monthly). With our Fixed Rate Home Loan you'll know exactly what your mortgage repayments will be, helping you to budget and plan your finances.

    • Lock in a competitive fixed interest rate for between one to five years

      You'll have the opportunity to select a new fixed rate period or revert to a variable rate.

    • Loan terms up to 30 years

      Flexibility to pay off the loan up to 30 years

    • Freedom to make unlimited extra repayments

      Pay off your loan faster

    • Flexible repayment frequency

      Pay weekly, fortnightly or monthly

    • Split-loan interest rate option

      Get the benefits of a part fixed and part variable loan

    • Rate-lock facility

      Guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan is funded

    • Family guarantee for first home buyers

      We'll help you through the process

    • Redraw facility

      Access to extra cash if you're ahead on your repayments

    Fees

    Do some quick maths

    Let’s help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.
    Home loan calculators

      What else do I need to consider?

      Guides and tips

      We’re here to chat if you need us!

      Get in touch with us and we can help you get the answers you need.

      Important to know

      • Rate Lock fee is 0.15% of the total loan amount and is valid for 90 days from the date of application.
      • Subject to approval.
      • Break Costs may apply if the fixed rate loan is paid out in full early.
      • Loan must be a Principal and Interest loan (as opposed to an interest only loan) to qualify for the family guarantee. Not available on Investment Loans.
      • Minimum redraw amount is $1,000. Redraws are only available if sufficient extra loan repayments have been made.
      • Monthly administration fee is $8 per account, which is $96 per annum on qualifying products.
      • LVR = Loan to Value Ratio.
      • Terms, conditions, fees, charges and lending criteria apply and are available on application.
      • After the fixed period, the loan reverts to the Basic Variable Home Loan Principal and Interest rate at the time, which is currently 5.49%pa (2.19%pa discount to the Basic Variable Rate).
      • The comparison rate is for a loan of $150,000 over 25 years. WARNING:This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
      • Any advice provided is general advice only and does not take into consideration your personal objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement (PDS), other Disclosure Documents, and Target Market Determination (TMD). Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.