Loan protection
Loan insurance helps you protect your finances by covering your loan repayments should something unexpected happen
Our Fixed Rate Home Loan offers you the peace of mind of a fixed interest rate for 1 to 5 years, plus flexible repayment options during the fixed term.
- Peace of mind - enjoy a fixed interest rate for 1 to 5 years and a variable rate thereafter.
- Convenient repayments - choose from monthly payroll deduction, auto transfer, direct debit or [email protected]™.
- Repayment options to suit your lifestyle - interest only repayments available for up to 5 years so you have control over your funds.
- For loans of all sizes - obtain a loan that suits your needs starting at $20,000 right up to 95% of the property value.
- Borrowing less than 80%? - Enjoy a lower fixed rate when you borrow less than 80% of the value of your property.
- Flexible options - our split rate home loan option allows you fix a portion of your loan and pay variable rates on the rest.
Owner Occupied
| Product Name | LVR | Term |
Rate
(Fixed) |
Comparison Rate |
|---|---|---|---|---|
| Fixed Rate Home Loan | < 80.00% | 1 Year | 3.00% p.a. | 4.02% p.a. |
| Fixed Rate Home Loan | > 80.00% | 1 Year | 3.10% p.a. | 4.12% p.a. |
| Fixed Rate Home Loan | < 80.00% | 2 Year | 2.90% p.a. | 3.90% p.a. |
| Fixed Rate Home Loan | > 80.00% | 2 Year | 3.00% p.a. | 4.00% p.a. |
| Fixed Rate Home Loan | < 80.00% | 3 Year | 2.93% p.a. | 3.81% p.a. |
| Fixed Rate Home Loan | > 80.00% | 3 Year | 3.03% p.a. | 3.91% p.a. |
| Fixed Rate Home Loan | < 80.00% | 4 Year | 3.15% p.a. | 3.80% p.a. |
| Fixed Rate Home Loan | > 80.00% | 4 Year | 3.25% p.a. | 3.90% p.a. |
| Fixed Rate Home Loan | < 80.00% | 5 Year | 3.25% p.a. | 3.77% p.a. |
| Fixed Rate Home Loan | > 80.00% | 5 Year | 3.35% p.a. | 3.87% p.a. |
Investor
| Product Name | LVR | Term |
Rate
(Fixed) |
Comparison Rate |
|---|---|---|---|---|
| Fixed Rate Home Loan | < 80.00% | 1 Year | 3.10% p.a. | 4.03% p.a. |
| Fixed Rate Home Loan | > 80.00% | 1 Year | 3.20% p.a. | 4.13% p.a. |
| Fixed Rate Home Loan | < 80.00% | 2 Year | 3.00% p.a. | 3.92% p.a. |
| Fixed Rate Home Loan | > 80.00% | 2 Year | 3.20% p.a. | 4.04% p.a. |
| Fixed Rate Home Loan | < 80.00% | 3 Year | 3.03% p.a. | 3.84% p.a. |
| Fixed Rate Home Loan | > 80.00% | 3 Year | 3.24% p.a. | 3.97% p.a. |
| Fixed Rate Home Loan | < 80.00% | 4 Year | 3.25% p.a. | 3.83% p.a. |
| Fixed Rate Home Loan | > 80.00% | 4 Year | 3.35% p.a. | 3.93% p.a. |
| Fixed Rate Home Loan | < 80.00% | 5 Year | 3.39% p.a. | 3.83% p.a. |
| Fixed Rate Home Loan | > 80.00% | 5 Year | 3.49% p.a. | 3.92% p.a. |
Comparison rate based on a loan of $150,000 for a term of 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
On applicable home loans, Loan Value Ratio (LVR) is the proportion of money you borrow for a home loan compared to the value of the property.