Fixed rate certainty with the convenience of a package


Fix your rate for three years with our Fixed Rate Package, providing you with the certainty of knowing your payments won’t change during the fixed rate period. This can help you to confidently manage your budget and plan for the future, so you can spend more of your time enjoying it.


Enjoy the convenience and value of this all in one package combining a home loan, credit card and transaction account.


  • No monthly service fee on transaction account
  • No annual fee credit card for the first year
  • Fixed repayments

Principal and Interest Owner Occupied LVR<70%

1.98 % p.a. Interest rate 2.45 % p.a. Comparison rate

2020 InfoChoice Home Loan Lender of the Year Winner

LVR Thresholds Repayment Type Interest Rate  Comparison Rate 
Less than 70% LVR Principal and Interest 1.98% p.a. 2.45% p.a.
Greater than 70% LVR Principal and Interest  2.08% p.a. 2.55% p.a.
Less than 70% LVR Interest Only  2.28% p.a. 2.74% p.a.
Greater than 70% LVR Interest Only 2.38% p.a. 2.84% p.a.

Product Features:

Home Loan Features
Minimum loan amount : No minimum
Maximum LVR : 80% (dependant on loan purpose and security offered)
Maximum LVR with Lenders Mortgage Insurance : 95% (subject to approval)
Get Ahead Start Guarantor (borrow up to 100% LVR) : Yes
Maximum loan term : 30 years
Interest calculation : Calculated daily, charged monthly
Repayment type : Principal & Interest; Interest Only
Repayment frequency : Principal & Interest:- weekly, fortnightly or monthly; Interest Only:- monthly
Establishment fee : $500
Monthly loan fee : $0
Package fee : $375
Extra repayments : No
Interest offset : No
Redraw : No
Pre-approval : Yes
Loan preparation fees : At cost
Increase/top up : Not during fixed period
Second mortgage security : Yes
Vacant land as sole security : Yes

Eligibility criteria, terms & conditions and fees & charges apply.
At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.
Offset account not available on this product.