Home Loan-Fixed I.O.

Our Fixed Rate Home Loan provides you with the best of both worlds, a fixed rate and the full range of home loan benefits including a 100% offset account. A fixed rate loan gives you certainty of what your regular repayment will be for up to 3 years.
Category: Home Loans  Last Updated October 9, 2024  Effective November 1, 2024

 General Lending Rates

Rates listed below are for a FIXED Interest Only product. Additional Information 1 Year Fixed Rate Loan (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.
Interest Rate
6.44% PA
Comparison Rate
8.62%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.64%
  • Repayment Type: Interest Only
  • Loan Purpose:
  , FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.39%
  • Repayment Type: Interest Only
  • Loan Purpose:
  , FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.43%
  • Repayment Type: Interest Only
  • Loan Purpose:
  , FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 8.19%
  • Repayment Type: Interest Only
  • Loan Purpose:
  , FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 8.25%
  • Repayment Type: Interest Only
  • Loan Purpose:

 Product Features

  • Digital Banking
  • Offset
  • Other Additional Information: Payments can be arranged weekly, fortnightly or monthly.
  • Other Additional Information: Loan Terms up to 30 Years.
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI).
  • Other Additional Information: Available for interest only repayments to approved applicants.
  • Other Additional Information: Able to pay up to an extra $10,000 per year in addition to your contracted repayments.
  • Redraw Additional Information: Redraw facility on owner-occupied home loans.

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Other Additional Information: Maximum loan to valuation ratio of 80% without Lenders Mortgage Insurance (LMI) or up to 95% (owner occupied) or 90% (investment) where LMI is approved.
  • Residency Status - Loans Are Available To Members Of The Bank Who Are Permanent Residents Of Australia And Currently Live In Australia..

 Bank Fees and Charges

  • Mortgage Establishment Fee (Upfront), Amount: 250.00.
  • Mortgage Document Fee (Upfront), Amount: 250.00.
  • Loan Maintenance Fee (Periodic), Amount: 10.00.
  • Other Credit Fees (Event), Amount: 0.00. Additional Information: Refer to our Fees and charges brochure for information on other fees and charges which may apply.

 Document Downloads