Fixed Rate Home Loans - Owner Occupied

Know what your repayments are for peace of mind

You don't need a fortune teller to find out what the future looks like. A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for up to 5 years, while protecting yourself against any potential interest rate rises. And with great interest rates across our range of terms, that certainty comes with a smile.


How to apply

Fixed Rate Home Loan Interest Rates1

Term Interest rate % p.a. Comparison rate % p.a.^
1 year 4.39 5.63
2 years 4.19 5.48

2 year fixed discount rate2 

(minimum $150k. Principal and Interest Lending only

3.85 (0.34%p.a. discount) 4.51
3 years 4.39 5.42

3 year fixed discount rate2 

(minimum $150k. Principal and Interest Lending only)

3.79 (0.60% p.a. discount) 4.44
4 years 4.39 5.33
5 years 4.49 5.28


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



Features and benefits



Loan term

Maximum 30 years

Minimum loan amount

No minimum

Maximum loan amount

95% of property value (Principal and Interest Lending)3 

70% 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:

Break Cost Fact Sheet