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


Redraw3 is available with this home loan product. As is our Get Ahead Start Guarantor option 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.


  • Competitive fixed interest rate
  • Make extra repayments of up to 5% of the loan balance per annum
  • Redraw available3
  • Flexible repayment options - weekly, fortnightly, or monthly
  • Get Ahead Start Guarantor option

1 Year Fixed Rate
Principal and Interest

3.49 % p.a. Interest rate 3.52 % p.a. Comparison rate
Fixed Term Repayment Type Interest Rate Comparison Rate
1 year Principal and Interest 3.49% p.a. 3.52% p.a.
2 years Principal and Interest 3.59% p.a. 3.62% p.a.
3 years Principal and Interest 3.59% p.a. 3.62% p.a.
4 years Principal and Interest 3.79% p.a. 3.82% p.a.
5 years Principal and Interest 3.99% p.a. 4.02% p.a.
1 year Interest Only 3.59% p.a. 3.61% p.a.
2 years Interest Only 3.69% p.a. 3.71% p.a.
3 years Interest Only 3.69% p.a. 3.71% p.a.
4 years Interest Only 3.99% p.a. 4.01% p.a.
5 years Interest Only 4.19% p.a. 4.21% p.a.

Product Features:

Home Loan Features
Minimum loan amount : No minimum
Maximum LVR : 95% (dependant on loan purpose and security offered)
Maximum loan term : 30 years
Interest charges : Calculated daily, charged monthly
Repayment type : Principal & Interest: 1-5 years; Interest Only: 1-5 years (conditions apply)
Repayment frequency : Principal & Interest - weekly, fortnightly or monthly repayments; Interest Only - monthly due 1st day of each month
Monthly loan fee / Annual Package fee : 0
Extra repayments : Up to 5% of loan balance per year during the fixed period may be made on principal & interest loans
Interest offset : No
Redraw : Yes
In principle approval : Yes
Lenders' Mortgage Insurance : Available subject to approval
Loan preparation fees : Refer to Fees & Charges brochure for current fees applicable
Increase/top up : Not during fixed period
Second mortgage security : On application
Vacant land as sole security : Yes
Get Ahead Start Guarantor : 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.