Fixed Rate Home Loan Owner Occupied | Apply Online

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.

Flexible repayment options - weekly, fortnightly, or monthly
Extra repayments of up to 5% of the loan balance per annum
Redraw available⁴
Get Ahead Start Guarantor option

3 Year Fixed
Principal and Interest

5.70 % p.a. Interest rate 5.76 % p.a. Comparison rate

Fixed Term	Repayment Type	Interest Rate	Comparison Rate
1 year	Principal and Interest	5.85% p.a.	5.91% p.a.
2 years	Principal and Interest	5.75% p.a.	5.81% p.a.
3 years	Principal and Interest	5.70% p.a.	5.76% p.a.
4 years	Principal and Interest	5.95% p.a.	6.01% p.a.
5 years	Principal and Interest	5.95% p.a.	6.01% p.a.
1 year	Interest Only	6.25% p.a.	6.30% p.a.
2 years	Interest Only	6.25% p.a.	6.30% p.a.
3 years	Interest Only	6.25% p.a.	6.30% p.a.
4 years	Interest Only	6.30% p.a.	6.35% p.a.
5 years	Interest Only	6.35% p.a.	6.40% 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 :	Up to 5% of the loan balance per annum
Interest offset :	No
Redraw :	Yes
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

Home loan calculators

Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.

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^* 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.

Footnotes:

¹ Eligibility criteria, terms & conditions and fees & charges apply. 3 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates. Offset account not available on this product.
² Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
³ Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
⁴ Minimum redraw amount of $100 and $30 service fee applies.

Fixed Rate Home Loan – Owner Occupied

3 Year FixedPrincipal and Interest