The security of a fixed rate*, providing you with the certainty of knowing your repayments won't change during the fixed rate period.


Our Get Ahead Start Guarantor option is available with this home loan product, which allows a family member to offer a suitable security property as part of the home loan to help you get started with your first home purchase.


  • Certainty of a fixed repayment
  • Flexible repayment options - weekly, fortnightly, or monthly
  • Split loan available - fix all or part of your loan
  • Get Ahead Start Guarantor option

1 Year Fixed Rate
Principal and Interest

2.19 % p.a. Interest rate 2.24 % p.a. Comparison rate

Fixed Rate Owner Occupied Home Loan Awards 2020

Fixed Term Repayment Type Interest Rate  Comparison Rate 
1 year Principal and Interest 2.19% p.a. 2.24% p.a.
2 years Principal and Interest  2.69% p.a. 2.74% p.a.
3 years  Principal and Interest  2.89% p.a. 2.94% p.a.
4 years  Principal and Interest  2.89% p.a. 2.94% p.a.
5 years  Principal and Interest  2.89% p.a. 2.94% p.a.
1 year  Interest Only  2.49% p.a. 2.52% p.a.
2 years  Interest Only  2.99% p.a. 3.02% p.a.
3 years  Interest Only  3.19% p.a. 3.22% p.a.
4 years  Interest Only  3.19% p.a. 3.22% p.a.
5 years Interest Only  3.19% p.a. 3.22% 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 : $0
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.

Mozo Experts Choice 2020 for the Split Home Loan category (First Home Loan Premium Package / 1 Year Fixed Rate) awarded in April, 2020.

* 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.