BSB 805 050

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BSB 805 050
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Business Fixed Rate Loan

Finance your business with the peace of mind of a set fixed interest rate, no monthly fees and certainty of set repayments for a fixed period

Available Loan Size

$50,000+

Interest Only Option

Up to 5 years

Extra Repayments

Up to $10,000 per year

Ongoing Fees

$0

Help fund a new business initiative or finance your company growth with our Business Fixed Rate Loan.

Enjoy a competitive fixed rate, convenient business-friendly features and the certainty of knowing exactly what your repayments will be for a set period.

At the end of the fixed period your loan will automatically switch to our standard variable rate, or you can talk to us about our other home loan options.

You can link your business loan with a business account and have all your business banking in one convenient location.

  • Lock in a competitive fixed interest rate for between one to five years
  • Loan terms from 1 to 25 years
  • No annual or monthly account keeping fees
  • Make extra repayments up to $10,000 per year – reduce your loan term and save money1
  • Flexible repayments: pay weekly, fortnightly or monthly (only monthly for Interest Only)
  • Interest Only option: free up extra cash by paying only the interest portion of the loan for up to five years
  • Split-loan option: get the benefits of a part fixed and part variable interest rate loan
  • Portable loan facility: security can be transferred directly from one property to another - subject to approval

You can enquire about a Business Fixed Rate Loan online, over the phone by calling 13 11 82 or by visiting your nearest branch.

  • Application fee:
    • $600 for loans up to $80,000
    • 0.75% of loan, for loans greater than $80,000
  • No monthly fee
  • No annual fee
  • Minimum loan size is $50,000
  • Minimum deposit is 20% (80% Loan to Value Ratio or lower)
  • 3rd party charges apply (e.g. stamp duty)

Business Variable, Fixed & Line of Credit

Product Name Term Secured by Residential Property up to $1,000,000^ Secured by Commercial Property up to $1,000,000^
Variable Rate > 1 year 5.30% p.a. 6.80% p.a.
Fixed Rate 1 year 4.19% p.a. 5.69% p.a.
Fixed Rate 2 year 3.84% p.a. 5.34% p.a.
Fixed Rate 3 year 4.09% p.a. 5.59% p.a.
Fixed Rate 4 year 4.64% p.a. 6.14% p.a.
Fixed Rate 5 year 4.64% p.a. 6.14% p.a.
Line of Credit > 1 year 6.25% p.a. 7.75% p.a.

Most popular questions...

  • Are there any monthly fees or annual fees on Business Fixed Rate Loans?

    No, our Business Fixed and Variable Loans have no monthly or ongoing fees.

  • Can I pay extra off my loan?

    If you choose a Business Fixed Rate Loan you can make additional repayments up to a maximum of $10,000 per year during the fixed period. However, redrawing the additional repayments is not permitted. Alternatively, a split loan facility with a Business Line of Credit can provide you with the best of both loan types.

  • Can I redraw excess funds from my loan?

    No, a redraw facility is not a feature of our Business Fixed or Variable Loans.  As an alternative you may want to consider our Business Line of Credit account, as it allows you to deposit and withdraw funds up to an approved credit limit as often as you like.

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Product Summary

What do I get?

Interest Rate

Available Loan Size

Interest Only Option

Loan to Value Ratio (LVR)

Extra Repayments

Redraw Facility

Loan Term

Repayment Frequency

Loan Splits available

Application Fee

Ongoing Fees

 

Business Fixed Rate Loan

Finance your business with the peace of mind of a set fixed interest rate, no monthly fees and certainty of set repayments for a fixed period

What do I get?

Set repayment certainty with a fixed rate for 1 to 5 years, to purchase or refinance a business, or a business asset, or for any other worthwhile business purpose.

Interest Rate

From 4.19% p.a.
(1 year term)

Available Loan Size

$50,000+

Interest Only Option

Up to 5 years

Loan to Value Ratio (LVR)

Up to 80%

Extra Repayments

Up to $10,000 per year

Redraw Facility

Loan Term

Up to 25 years

Repayment Frequency

Weekly, Fortnightly or Monthly / Monthly for Interest Only

Loan Splits available

Application Fee

$600 for loans up to $80,000 or 0.75% for loans of $80,000 or greater
Charged per loan

Ongoing Fees

$0

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Business Variable Rate Loan

Grow your business at your pace with a variable rate business loan with no monthly or annual fees and the flexibility to make extra repayments

What do I get?

Flexible variable loan to purchase or refinance a business, or a business asset or for any other worthwhile business purpose.

Interest Rate

From 5.3% p.a.

Available Loan Size

$50,000+

Interest Only Option

Up to 5 years

Loan to Value Ratio (LVR)

Up to 80%

Extra Repayments

Redraw Facility

Loan Term

Up to 25 years

Repayment Frequency

Weekly, Fortnightly or Monthly / Monthly for Interest Only

Loan Splits available

Application Fee

$600 for loans up to $80,000 or 0.75% for loans of $80,000 or greater
Charged per loan

Ongoing Fees

$0

Find Business Banker

Details

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Business Line of Credit

Expand your business with a revolving line of credit and control your everyday finances, with an all-in-one account

What do I get?

A flexible line of credit, for everyday business use, or just when you need it.

Interest Rate

From 6.25% p.a.

Available Loan Size

$10,000+

Interest Only Option

10 years

Loan to Value Ratio (LVR)

Up to 80%

Extra Repayments

Redraw Facility

Draw up to credit limit

Loan Term

Up to 25 years

Repayment Frequency

Monthly

Loan Splits available

Application Fee

$600 for loans up to $80,000 or 0.75% for loans of $80,000 or greater
Charged per loan

Ongoing Fees

$10 per month

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Details

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Business Vehicle Loan

Get your business on the road or upgrade your current vehicle with our fixed rate Business Vehicle Loan with no break cost to repay early

What do I get?

Low rate flexible loan, for business vehicles up to 3 tonne.

Interest Rate

From 5.64% p.a.3

Available Loan Size

$20,000+

Interest Only Option

Loan to Value Ratio (LVR)

Up to 120% all inclusive

Extra Repayments

Redraw Facility

Loan Term

Up to 5 years

Repayment Frequency

Weekly, Fortnightly or Monthly

Loan Splits available

Application Fee

$250 Sole Traders / Partnerships
$350 Companies

Ongoing Fees

$0

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Details

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Business Variable Construction Loan

Build for business purposes with the flexibility you need to manage your finances during construction with a variable interest rate and no monthly fees

What do I get?

A flexible variable loan for construction of a business asset.

Interest Rate

From 5.3% p.a.

Available Loan Size

$50,000+

Interest Only Option

Up to 5 years

Loan to Value Ratio (LVR)

Up to 80%

Extra Repayments

Redraw Facility

Loan Term

Up to 25 years

Repayment Frequency

Weekly, Fortnightly or Monthly / Monthly for Interest Only

Loan Splits available

Application Fee

$600 for loans up to $80,000 or 0.75% for loans of $80,000 or greater
Charged per loan

Ongoing Fees

$0

Find Business Banker

Details

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Thank you for your enquiry. Unfortunately we don’t have a Business Banker based in this area, so please call us on 13 11 82 to see how we can still help you.

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Business Loans applicable for; Sole Trader, Partnership & Company.
^All loans greater than $1,000,000 will be priced upon application.
1 Break Costs may apply for repayments above the $10,000 limit.

Terms, conditions, fees, charges and lending criteria apply and are available on application.

The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

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