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

Term Interest rate % p.a. Comparison rate % p.a.^
1 year 4.65 6.17
2 years 4.44 5.98
3 years 4.39 5.82
3 year fixed discounted rate2 (minimum $150k. Principal and Interest Lending only)  3.99 (0.40% p.a. discount) 4.91
4 years 4.39 5.69
5 years 4.49 5.60


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


Features and benefits



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



Low Doc Option Yes
Mortgage Offset facility

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

Internet Banking


EasyPhone Banking


Fee savings

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



Application Fee $300
Monthly Fee $10


How to apply

Important information


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