BSB 805 050

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BSB 805 050

Fixed Rate Home & Investment Loan

Enjoy the certainty of fixed mortgage repayments for a set period of time

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$20,000+

Rate Lock Option

Yes - 0.15% fee applies

Extra Repayments

Up to $10,000 per year

With our Fixed Rate Home & Investment Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances.

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

  • Lock in a competitive fixed interest rate for between one to five years
  • Loan terms up to 30 years (or up to 40 years for first home buyers)
  • Make extra repayments up to $10,000 per year – reduce your loan term and save money1
  • Flexible repayment frequency - pay weekly, fortnightly or monthly2
  • Interest only repayment option - reduce your loan repayments by paying only the interest due monthly3
  • Split-loan interest rate option - get the benefits of a part fixed and part variable interest rate loan4
  • Rate-lock facility - guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds5
  • Family guarantee for first home buyers6

You can apply for a Fixed Rate Home or Investment Loan online, over the phone by calling 13 11 82 or by visiting your nearest branch.

  • Application fee - $600
  • Monthly fee - $8 per month
  • Rate Lock – 0.15% of the total loan amount5
  • Minimum loan size is $20,000
  • Lenders Mortgage Insurance (LMI) is payable for loans with a deposit less than 20% (80% Loan to Value Ratio or higher)
  • 3rd party charges apply (e.g. stamp duty)

  • Fees & Charges Brochure

Residential Fixed Home Loans

Product Name Term Principal & Interest Rate Principal & Interest Comparison Rate Interest Only Rate Interest Only Comparison Rate
Fixed Rate: Home, Construction & Low Doc Loans~ 1 year 4.19% p.a. 5.24% p.a. 4.49% p.a. 5.76% p.a.
Fixed Rate: Home, Construction & Low Doc Loans~ 2 years 3.99% p.a. 5.12% p.a. 4.29% p.a. 5.61% p.a.
Fixed Rate: Home, Construction & Low Doc Loans~ 3 years 4.09% p.a. 5.04% p.a. 4.39% p.a. 5.52% p.a.
Fixed Rate: Home, Construction & Low Doc Loans~ 4 years 4.54% p.a. 5.11% p.a. 4.84% p.a. 5.57% p.a.
Fixed Rate: Home, Construction & Low Doc Loans~ 5 years 4.64% p.a. 5.11% p.a. 4.94% p.a. 5.55% p.a.

Fixed Investment Loans

Product Name Term Principal & Interest Rate Principal & Interest Comparison Rate Interest Only Rate Interest Only Comparison Rate
Fixed Investment Rate: Home and Construction Loans 1 year 4.69% p.a. 5.87% p.a. 4.99% p.a. 6.27% p.a.
Fixed Investment Rate: Home and Construction Loans 2 years 4.44% p.a. 5.72% p.a. 4.74% p.a. 6.10% p.a.
Fixed Investment Rate: Home and Construction Loans 3 years 4.49% p.a. 5.61% p.a. 4.79% p.a. 5.99% p.a.
Fixed Investment Rate: Home and Construction Loans 4 years 4.79% p.a. 5.61% p.a. 5.09% p.a. 5.98% p.a.
Fixed Investment Rate: Home and Construction Loans 5 years 4.84% p.a. 5.56% p.a. 5.14% p.a. 5.92% p.a.

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Product Summary

What do I get?

Interest Rate

Comparison Rate

Service Availability

Interest Only Option

Available Loan Size

Loan to Value Ratio (LVR)

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

Repayment Frequency

Loan Splits available

Buy a Home or Investment

Refinance

Construction

Vacant Land

Bridging

Application Fee

Ongoing Fees

Package benefits and discounts on other products

 

Enjoy the certainty of fixed mortgage repayments for a set period of time

What do I get?

Set fixed mortgage repayment certainty for up to 5 years.

Interest Rate

Home Loan: From 3.99% p.a. Fixed for 2 years

Investment Loan: From 4.44% p.a. Fixed for 2 years

Comparison Rate

Home Loan: 5.12% p.a.

Investment Loan: 5.72% p.a.

Service Availability

Full Service 
- Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$20,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

 0.15% fee applies

Offset facility option

Extra Repayments

Up to $10,000 per year

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

Refinance

Vacant Land

Bridging

Application Fee

$600

Ongoing Fees

$8 per month

Package benefits and discounts on other products

Package your loan and bank account for great discounts and benefits and enjoy the flexibility of a variable rate

What do I get?

Flexibility of a discounted variable rate, offset ability and packaged with great range of product benefits and discounts.

Interest Rate

Home Loan: From 3.75% p.a.a

Investment Loan: From 4.85% p.a.b

Comparison Rate

Home Loan: 4.15% p.a.a

Investment Loan: 5.22% p.a.b

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$100,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%
Investment Loan: Up to 90%

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

No restrictions on the number of splits per Annual Fee

Refinance

Vacant Land

Bridging

Application Fee

$0

Ongoing Fees

$395 per annum

Package benefits and discounts on other products

Remove

Enjoy the certainty of fixed repayments and bundle your loan and bank account into one package to save with rate and fee discounts

What do I get?

Security of a discounted fixed rate packaged with a great range of product benefits and discounts.

Interest Rate

Home Loan: From 3.84% p.a. Fixed for 2 years^

Investment Loan: From 4.29% p.a. Fixed for 2 years

Comparison Rate

Home Loan: 4.68% p.a.^

Investment Loan: 5.36% p.a.

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$100,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

 0.15% fee applies

Offset facility option

Extra Repayments

Up to $10,000 per year

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

No restrictions on the number of splits per Annual Fee

Refinance

Vacant Land

Bridging

Application Fee

$0

Ongoing Fees

$395 per annum

Package benefits and discounts on other products

Remove

Enjoy a competitive variable rate and the freedom to make unlimited extra repayments to pay off your loan quicker

What do I get?

Low variable rate and the freedom to make extra repayments to reduce the length of your loan.

Interest Rate

Home Loan: From 4.42% p.a.a

Investment Loan: From 5.07% p.a.

Comparison Rate

Home Loan: 4.47% p.a.a

Investment Loan: 5.12% p.a.

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$50,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

Refinance

Vacant Land

Bridging

Application Fee

$600

Ongoing Fees

$0

Package benefits and discounts on other products

Remove

Enjoy no monthly fees and the flexibility to make unlimited extra repayments to pay off your loan quicker

What do I get?

Variable loan no monthly fees and the flexibility to make extra repayments to reduce the length of your loan.

Interest Rate

Home Loan: 5.2% p.a.

Investment Loan: 5.85% p.a.

Comparison Rate

Home Loan: 5.25% p.a.

Investment Loan: 5.9% p.a.

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

Up to 10 years - reviewed after 5 years

Available Loan Size

$20,000+

Loan to Value Ratio (LVR)

Home Loan: Up to 95%

Investment Loan: Up to 90%

Rate Lock Option

Offset facility option

Extra Repayments

Redraw Facility

Loan Term

30 years or up to 40 years for First Home Buyers

Repayment Frequency

Weekly, Fortnightly or Monthly

Monthly for Interest Only

Loan Splits available

Refinance

Vacant Land

Application Fee

$600

Ongoing Fees

$0

Package benefits and discounts on other products

Remove

A flexible loan that puts you in control of your repayments by consolidating your transaction account and mortgage into one convenient account

What do I get?

Flexible Line of Credit Loan to control your finances, all with the one account.

Interest Rate

6.1% p.a.

Comparison Rate

N/A

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

10 years

Available Loan Size

$20,000 to $500,000

Loan to Value Ratio (LVR)

Up to 90%

Rate Lock Option

Offset facility option

N/A

Extra Repayments

Redraw Facility

Can draw up to limit amount

Loan Term

Up to 30 Years

Repayment Frequency

Monthly

Loan Splits available

Refinance

Construction

Vacant Land

Bridging

Application Fee

$600

Ongoing Fees

$8 per month

Package benefits and discounts on other products

Remove

Take control of your repayments with the flexibility of a transaction account and mortgage consolidated into a convenient account and save with extra discounts and benefits

What do I get?

Flexible transactional Line of Credit Loan packaged with a great range of product benefits and discounts.

Interest Rate

From  5.5% p.a.

Comparison Rate

N/A

Service Availability

Full Service - Branch, Phone and Online support

Interest Only Option

10 Years

Available Loan Size

$100,000 to $500,000

Loan to Value Ratio (LVR)

Up to 90%

Rate Lock Option

Offset facility option

N/A

Extra Repayments

Redraw Facility

Can draw up to limit amount

Loan Term

Up to 30 Years

Repayment Frequency

Monthly

Loan Splits available

No restrictions on the number of splits per Annual Fee

Refinance

Construction

Vacant Land

Bridging

Application Fee

$0

Ongoing Fees

$395 per annum

Package benefits and discounts on other products

Remove

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Please call us on 13 11 82 to arrange a Home Loan Adviser to contact you. Alternatively you can apply for your home loan online.

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What will my repayments be?

Calculate your weekly, fortnightly, or monthly Home Loan Repayments by entering the loan amount and interest rate. This calculator will also show you the total cost of the loan.

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Home Loan Calculators

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1 Break Costs may apply for repayments above the $10,000 limit.
2 Interest only repayments can only be made monthly.
3 Subject to approval. Interest only repayments can only be made monthly and the period is for a maximum of 10 years with a review after 5 years.
4 Subject to approval.
5 Rate Lock fee is 0.15% of the total loan amount and is valid for 90 days from the date of application.
6 Loan must be a principal and interest loan (as opposed to an interest only loan) to qualify for the family guarantee. Not available for Investment loans.
~ Low Doc Home Loans are not available for new business.

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

WARNING:This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.  

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 Documentsand 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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