Fixed Rate Home Loans

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

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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

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More information

Essential 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate	3.99% pa¹
Variable interest rate	3.64% pa
Comparison rate	3.73% pa²
Fixed interest rate term (years)	1
Features
Included in Relationship Rebate	No
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Discharge fee	$200
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 1 year)	Not available
Maximum Loan-to-Value ratio	95%
Minimum amount	$150,000
Maximum Amount	Subject to application
Maximum term (years)	30
Monthly fee	$0
Mortgage offset	No
Partial split loan	No
Rate term	1
Repayments	Monthly, Fortnightly, Weekly
Redraw facility	No
Suitable for vacant land	Yes
Switching fee	$250
Variable and lump sum repayments	Yes

Essential 2 Year Fixed Rate Home Loan (Owner Occupier)

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

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More information

Essential 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.59% pa¹
Variable interest rate	3.64% pa
Comparison rate	3.86% pa²
Fixed interest rate term (years)	2
Features
Included in Relationship Rebate	No
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Discharge fee	$200
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 1 year)	Not available
Maximum Loan-to-Value ratio	95%
Minimum amount	$150,000
Maximum Amount	Subject to application
Maximum term (years)	30
Monthly fee	$0
Mortgage offset	No
Partial split loan	No
Rate term	2
Repayments	Monthly, Fortnightly, Weekly
Redraw facility	No
Suitable for vacant land	Yes
Switching fee	$250
Variable and lump sum repayments	Yes

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

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More information

Essential 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.99% pa¹
Variable interest rate	3.64% pa
Comparison rate	4.05% pa²
Fixed interest rate term (years)	3
Features
Included in Relationship Rebate	No
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Discharge fee	$200
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 1 year)	Not available
Maximum Loan-to-Value ratio	95%
Minimum amount	$150,000
Maximum Amount	Subject to application
Maximum term (years)	30
Monthly fee	$0
Mortgage offset	No
Partial split loan	No
Rate term	3
Repayments	Monthly, Fortnightly, Weekly
Redraw facility	No
Suitable for vacant land	Yes
Switching fee	$250
Variable and lump sum repayments	Yes

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

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More information

Standard 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.19% pa³
Variable interest rate	5.29% pa
Comparison rate	5.24% pa²
Fixed interest rate term (years)	1
Features
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Discharge fee	$200
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 1 year)	Yes
Loan term	up to 30 years
Maximum Loan-to-Value ratio	95%
Minimum amount	$20,000
Maximum Amount	Subject to application
Minimum term (years)	1
Maximum term (years)	30
Monthly fee	$0
Mortgage offset	Yes
Partial split loan	Yes
Rate term	1, 2 or 3 years
Repayments	Monthly, Fortnightly, Weekly
Redraw facility	Yes
Redraw fee	$0
Suitable for vacant land	Yes
Variable and lump sum repayments	Yes

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

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More information

Standard 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.99% pa³
Variable interest rate	5.29% pa
Comparison rate	5.29% pa²
Fixed interest rate term (years)	2
Features
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Discharge fee	$200
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 1 year)	Yes
Loan term	up to 30 years
Maximum Loan-to-Value ratio	95%
Minimum amount	$20,000
Maximum Amount	Subject to application
Minimum term (years)	1
Maximum term (years)	30
Monthly fee	$0
Mortgage offset	Yes
Partial split loan	Yes
Rate term	1, 2 or 3 years
Repayments	Monthly,Fortnightly,Weekly
Redraw facility	Yes
Redraw fee	$0
Suitable for vacant land	Yes
Variable and lump sum repayments	Yes

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 Online Make an Appointment Manage Your Home Loan

More information

Standard 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate	5.39% pa³
Variable interest rate	5.29% pa
Comparison rate	5.38% pa²
Fixed interest rate term (years)	3
Features
Interest only repayments (up to 1 year)	Yes
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Discharge fee	$200
Interest charges	calculated daily, charged monthly
Interest only repayments (up to 1 year)	Yes
Loan term	up to 30 years
Maximum Loan-to-Value ratio	95%
Minimum amount	$20,000
Maximum Amount	Subject to application
Minimum term (years)	1
Maximum term (years)	30
Monthly fee	$0
Mortgage offset	Yes
Partial split loan	Yes
Rate term	1, 2 or 3 years
Repayments	Monthly, Fortnightly, Weekly
Redraw facility	Yes
Redraw fee	$0
Suitable for vacant land	Yes
Variable and lump sum repayments	Yes

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 Online Make an Appointment Manage Your Home Loan

More information

Essential 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate	3.99% pa
Variable interest rate	3.73% pa
Comparison rate	3.71% pa
Fixed interest rate term (years)	1
Features
Interest only repayments (up to 1 year)	Not available
Included in Relationship Rebate	No
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Interest charges	Calculated daily, charged monthly
Loan term	up to 30 years
Maximum term (years)	30
Maximum Loan-to-Value ratio	95%
Minimum amount	$150,000
Maximum Amount	Subject to application
Mortgage offset	No
Partial split loan	No
Rate term	1
Redraw facility	No
Repayments	Monthly, Fortnightly, Weekly
Suitable for vacant land	Yes
Switching fee	$250
Discharge fee	$200
Variable and lump sum repayments	Yes

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 Online Make an Appointment Manage Your Home Loan

More information

Essential 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.59% pa
Variable interest rate	3.64% pa
Comparison rate	3.86% pa
Fixed interest rate term (years)	2
Features
Interest only repayments (up to 1 year)	Not available
Included in Relationship Rebate	No
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Interest charges	Calculated daily, charged monthly
Loan term	up to 30 years
Maximum term (years)	30
Maximum Loan-to-Value ratio	95%
Minimum amount	$150,000
Maximum Amount	Subject to application
Mortgage offset	No
Partial split loan	No
Rate term	2
Redraw facility	No
Repayments	Monthly, Fortnightly, Weekly
Suitable for vacant land	Yes
Switching fee	$250
Discharge fee	$200
Variable and lump sum repayments	Yes

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 Online Make an Appointment Manage Your Home Loan

More information

Essential 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.99% pa
Variable interest rate	3.64% pa
Comparison rate	4.05% pa
Fixed interest rate term (years)	3
Features
Interest only repayments (up to 1 year)	Not available
Included in Relationship Rebate	No
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Interest charges	Calculated daily, charged monthly
Loan term	up to 30 years
Maximum term (years)	30
Maximum Loan-to-Value ratio	95%
Minimum amount	$150,000
Maximum Amount	Subject to application
Mortgage offset	No
Partial split loan	No
Rate term	3
Redraw facility	No
Repayments	Monthly, Fortnightly, Weekly
Suitable for vacant land	Yes
Switching fee	$250
Discharge fee	$200
Variable and lump sum repayments	Yes

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 Online Make an Appointment Manage Your Home Loan

More information

Standard 1 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.19% pa
Comparison rate	5.24% pa
Fixed interest rate term (years)	1
Features
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 10 years)	Yes
Loan term	up to 30 years
Maximum term (years)	30
Maximum Loan-to-Value ratio	95%
Minimum amount	$20,000
Maximum Amount	Subject to application
Minimum term (years)	1
Mortgage offset	Yes
Partial split loan	Yes
Rate term	1, 2 or 3 years
Redraw facility	Yes
Redraw fee	$0
Repayments	Monthly, Fortnightly, Weekly
Suitable for vacant land	Yes
Discharge fee	$200
Variable and lump sum repayments	Yes

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 Online Make an Appointment Manage Your Home Loan

More information

Standard 2 Year Fixed Rate Home Loan
Rates
Fixed interest rate	4.99% pa³
Comparison rate	5.29% pa²
Fixed interest rate term (years)	2
Features
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 10 years)	Yes
Loan term	up to 30 years
Maximum term (years)	30
Maximum Loan-to-Value ratio	95%
Minimum amount	$20,000
Maximum Amount	Subject to application
Minimum term (years)	1
Mortgage offset	Yes
Partial split loan	Yes
Rate term	1, 2 or 3 years
Redraw facility	Yes
Redraw fee	$0
Repayments	Monthly, Fortnightly, Weekly
Suitable for vacant land	Yes
Discharge fee	$200
Variable and lump sum repayments	Yes

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 Online Make an Appointment Manage Your Home Loan

More information

Standard 3 Year Fixed Rate Home Loan
Rates
Fixed interest rate	5.39% pa
Comparison rate	5.38% pa
Fixed interest rate term (years)	3
Features
Deposit required	5%
Establishment fee	$150
Valuation fees included within establishment fee?	No
Ability to increase loan amount (Loan Top Up)	Yes
Additional repayments accepted	Yes
Additional repayments fee $	$0
Annual fee	$0
Automatic repayments (payroll)	Yes
Can be used for building	Yes
Early repayments without penalty	Break cost may apply
Easy to apply for loan	Yes
Interest charges	Calculated daily, charged monthly
Interest only repayments (up to 10 years)	Yes
Loan term	up to 30 years
Maximum term (years)	30
Maximum Loan-to-Value ratio	95%
Minimum amount	$20,000
Maximum Amount	Subject to application
Minimum term (years)	1
Mortgage offset	Yes
Partial split loan	Yes
Rate term	1, 2 or 3 years
Redraw facility	Yes
Redraw fee	$0
Repayments	Monthly, Fortnightly, Weekly
Suitable for vacant land	Yes
Discharge fee	$200
Variable and lump sum repayments	Yes

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.