Fixed Rate Home Loan & Mortgage - Investment 

Plan for the future by knowing your repayments 

A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for the next 1-5 years, making it easier to manage your cashflow when investing in property. It can also be a great way to protect your investments against any possible interest rate rises. At the end of your fixed home loan period, the loan will revert to the Standard Variable Loan Rate. 

 

How to apply

Investment Fixed Rate Home Loan Interest Rates1 - Principal and Interest

Term Interest rate % p.a. Comparison rate % p.a.^
1 year 4.29 6.13
2 years 4.39 5.98
2 year fixed discounted rate2 (minimum $150k. Principal and Interest Lending only)  3.85 (0.59%p.a. discount) 4.97
3 years 4.39 5.83
3 year fixed discounted rate2 (minimum $150k. Principal and Interest Lending only)  3.99 (0.40% p.a. discount) 4.91
4 years 4.59 5.76
5 years 4.69 5.69

Investment Fixed Rate Home Loan Interest Rates1 - Interest Only

Term Interest rate % p.a. Comparison rate % p.a.^
1 year 4.39 6.14
2 years 4.49 6.00
3 years 4.49 5.85
4 years 4.69 5.79
5 years 4.79 5.73

 

Rates quoted are for Investment borrowing only. Owner occupied rates can be found here  

 

Features and benefits

Terms 

Detail 

Loan term

Maximum 30 years

Minimum loan amount

No minimum

Maximum loan amount

90% of property value (Principal and Interest Lending)3 

80% of property value (Interest Only Lending)

Repayment type

  • Principal and Interest
  • Interest Only (applies for fixed period only; subject to approval)
 

Repayment options

  • Weekly
  • Fortnightly
  • Monthly
 

Additional repayments

Yes - up to $5,000 annually

Redraw

No

Construction Option     No
Low Doc Option Yes
Mortgage Offset facility

Yes - personal customers only on the 1 year fixed rate home loan4 

Internet Banking

Yes

EasyPhone Banking

Yes

Fee savings

You can nominate one of your Reverse Charges AccountsTMto be free of monthly account maintenance fees.

 

Fees

Application Fee $300
Monthly Fee $10
Settlement Fee    $150
Valuation Fee     Valuation Fee may be applicable

 

How to apply

Important information

 

Please view the terms and conditions listed below on the Terms and Conditions page: