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Fixed Rate Home Loans

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Enjoy our Essential 2 Year Fixed Rate home loan

This loan would suit an owner-occupier who would like to lock in a basic loan with a fixed interest rate for 24 months. This loan then moves to the Essential Low Rate Variable Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 2 year
  • $150,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • No Redraw
  • No Offset

4.59% pa1
Fixed Rate

3.86% pa2
Comparison Rate

Apply OnlineMake an Appointment

 


Essential 1 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit an owner-occupier who would like to lock in a basic loan with a fixed interest rate for 12 months. This loan then moves to the Essential Low Rate Variable Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 1 year
  • $150,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • No Redraw
  • No Offset

3.99% pa1
Fixed Rate

3.73% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Essential 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate3.99% pa1
Variable interest rate3.64% pa
Comparison rate3.73% pa2
Fixed interest rate term (years)1 
Features
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Not available
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetNo 
Partial split loanNo 
Rate term1
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityNo 
Suitable for vacant landYes 
Switching fee$250 
Variable and lump sum repaymentsYes 


Essential 2 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit an owner-occupier who would like to lock in a basic loan with a fixed interest rate for 24 months. This loan then moves to the Essential Low Rate Variable Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 2 year
  • $150,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • No Redraw
  • No Offset

4.59% pa1
Fixed Rate

3.86% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Essential 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.59% pa1
Variable interest rate3.64% pa
Comparison rate3.86% pa2
Fixed interest rate term (years)2 
Features
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Not available
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetNo 
Partial split loanNo 
Rate term2
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityNo 
Suitable for vacant landYes 
Switching fee$250 
Variable and lump sum repaymentsYes 


Essential 3 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit an owner-occupier who would like to lock in a basic loan with a fixed interest rate for 36 months. This loan then moves to the Essential Low Rate Variable Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 3 year
  • $150,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • No Redraw
  • No Offset

4.99% pa1
Fixed Rate

4.05% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Essential 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.99% pa1
Variable interest rate3.64% pa
Comparison rate4.05% pa2
Fixed interest rate term (years)3 
Features
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Not available
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetNo 
Partial split loanNo 
Rate term3
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityNo 
Suitable for vacant landYes 
Switching fee$250 
Variable and lump sum repaymentsYes 


Standard 1 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit an owner-occupier who would like to lock in an fixed interest rate for 12 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 1 year
  • $20,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • Redraw available
  • Offset available

4.19% pa3
Fixed Rate

5.24% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Standard 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.19% pa3
Variable interest rate5.29% pa
Comparison rate5.24% pa2
Fixed interest rate term (years)1 
Features
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Yes
Loan termup to 30 years
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityYes 
Redraw fee$0 
Suitable for vacant landYes 
Variable and lump sum repaymentsYes 


Standard 2 Year Fixed Rate Home Loan (Owner-Occupier)

This loan would suit an owner-occupier or investor who would like to lock in an fixed interest rate for 24 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 2 year
  • $20,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • Redraw available
  • Offset available

4.99% pa3
Fixed Rate

5.29% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Standard 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.99% pa3
Variable interest rate5.29% pa
Comparison rate5.29% pa2
Fixed interest rate term (years)2 
Features
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Yes
Loan termup to 30 years
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
RepaymentsMonthly,Fortnightly,Weekly
Redraw facilityYes 
Redraw fee$0 
Suitable for vacant landYes 
Variable and lump sum repaymentsYes 


Standard 3 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit an owner-occupier who would like to lock in an fixed interest rate for 36 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 3 year
  • $20,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • Redraw available
  • Offset available

5.39% pa3
Fixed Rate

5.38% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Standard 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate5.39% pa3
Variable interest rate5.29% pa
Comparison rate5.38% pa2
Fixed interest rate term (years)3 
Features
Interest only repayments (up to 1 year)Yes 
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargescalculated daily, charged monthly
Interest only repayments (up to 1 year)Yes
Loan termup to 30 years
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityYes 
Redraw fee$0 
Suitable for vacant landYes 
Variable and lump sum repaymentsYes 



 


Essential 1 Year Fixed Rate Home Loan (Investor)

This loan would suit an investor who would like to lock in a basic loan with a fixed interest rate for 12 months. This loan then moves to the Essential Low Rate Variable Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 1 year
  • $150,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • No Redraw
  • No Offset

3.99% pa1
Fixed Rate

3.71% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

Essential 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate3.99% pa
Variable interest rate3.73% pa
Comparison rate3.71% pa
Fixed interest rate term (years)1 
Features
Interest only repayments (up to 1 year)Not available
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Mortgage offsetNo 
Partial split loanNo 
Rate term1
Redraw facilityNo 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Switching fee$250 
Discharge fee$200 
Variable and lump sum repaymentsYes 


Essential 2 Year Fixed Rate Home Loan (Investor)

This loan would suit an investor who would like to lock in a basic loan with a fixed interest rate for 24 months. This loan then moves to the Essential Low Rate Variable Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 2 year
  • $150,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • No Redraw
  • No Offset

4.59% pa1
Fixed Rate

3.86% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

Essential 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.59% pa
Variable interest rate3.64% pa
Comparison rate3.86% pa
Fixed interest rate term (years)2 
Features
Interest only repayments (up to 1 year)Not available
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Mortgage offsetNo 
Partial split loanNo 
Rate term2
Redraw facilityNo 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Switching fee$250 
Discharge fee$200 
Variable and lump sum repaymentsYes 


Essential 3 Year Fixed Rate Home Loan (Investor)

This loan would suit an investor who would like to lock in a basic loan with a fixed interest rate for 36 months. This loan then moves to the Essential Low Rate Variable Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 3 year
  • $150,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • No Redraw
  • No Offset

4.99% pa1
Fixed Rate

4.05% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

Essential 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.99% pa
Variable interest rate3.64% pa
Comparison rate4.05% pa
Fixed interest rate term (years)3 
Features
Interest only repayments (up to 1 year)Not available
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Mortgage offsetNo 
Partial split loanNo 
Rate term3
Redraw facilityNo 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Switching fee$250 
Discharge fee$200 
Variable and lump sum repaymentsYes 


Standard 1 Year Fixed Rate Home Loan (Investor)

This loan would suit an investor who would like to lock in an fixed interest rate for 12 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 1 year
  • $20,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • Redraw available
  • Offset available

4.19% pa3
Fixed Rate

5.24% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

Standard 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.19% pa
Comparison rate5.24% pa
Fixed interest rate term (years)1 
Features
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 10 years) Yes 
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
Redraw facilityYes 
Redraw fee$0 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Discharge fee$200 
Variable and lump sum repaymentsYes 


Standard 2 Year Fixed Rate Home Loan (Investor)

This loan would suit an investor who would like to lock in an fixed interest rate for 24 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 2 year
  • $20,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • Redraw available
  • Offset available

4.99% pa3
Fixed Rate

5.29% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Standard 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate4.99% pa3
Comparison rate5.29% pa2
Fixed interest rate term (years)2 
Features
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 10 years) Yes 
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
Redraw facilityYes 
Redraw fee$0 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Discharge fee$200 
Variable and lump sum repaymentsYes 


Standard 3 Year Fixed Rate Home Loan (Investor)

This loan would suit an investor who would like to lock in an fixed interest rate for 36 months. This loan then moves to the Standard Variable Rate Home Loan which is subject to market fluctuations throughout the loan term.

  • Borrow up to 95% of the purchase price
  • Fixed rate for 3 year
  • $20,000 minimum new loan borrowing amount
  • Up to 30-year loan period
  • Flexible repayment options
  • Lump sum repayments available
  • Redraw available
  • Offset available

5.39% pa3
Fixed Rate

5.38% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Standard 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate5.39% pa
Comparison rate5.38% pa
Fixed interest rate term (years)3 
Features
Deposit required5%
Establishment fee$150 
Valuation fees included within establishment fee?No 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 10 years) Yes 
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
Redraw facilityYes 
Redraw fee$0 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Discharge fee$200 
Variable and lump sum repaymentsYes 


 

 

1 Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $150,000 and up to 95% of property value. At the end of the fixed term, interest rate reverts to our Essential Low Rate variable rate.

2 Comparison rate based on a secured loan of $150,000 over 25 years. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

3 Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $20,000 and up to 95% of property value. At the end of the fixed term, interest rate reverts to our Standard Variable interest rate.