Fixed Rate Home Loan

With a Fixed Rate Home Loan you can relax and enjoy the certainty of knowing your repayments won’t change during the fixed rate period^#. This no frills fixed rate loan offers owner occupiers or investors the option of a Loan to Value Ratio (LVR) of up to 95% for principal and interest home loans.

Coupled with no ongoing fees, ensuring stability in managing your repayments, and the ability to make additional repayments each year up to $25,000. Applying is easy with the ability to enquire online or apply over the phone, or with a mobile lender at a place that suits you.

Interest rates Calculators

No ongoing fees No monthly or annual fees.
Split it your way Divide your loan between fixed and variable rates at no additional cost.
Repayment options Principal and interest or interest only options available.
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Features

Fixed Rate Home Loan overview

Our Fixed Rate Home Loan offers you the certainty of knowing what your repayments will be for the fixed rate period.

Lock in a great fixed rate

Our Rate Lock option allows you to lock in our current advertised rate, protecting you for 90 days against potential interest rate increases while you work toward settling your loan, helping to make your home buying journey just that little bit easier.
Read our Rate Lock FAQs to find out more.

Minimum loan amount	No minimum
Maximum loan term	30 years
Additional repayments	You can make regular additional and extra lump sum repayments, up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.
Redraw facility	Not available
Repayment holiday	Yes
Repayment frequency	Monthly, Fortnightly or Weekly repayments.
Repayment options	Principal & Interest or Interest Only.
Split loan	Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.
Rate Lock	Option available for a fee.
100% Interest offset account	Not available
Mortgage portability	Yes
Maximum loan to value ratio	Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest only loans.

Fixed Rate Home Loan^##	Interest Rate	Comparison Rate*
1 Year Fixed Rate - Special~	5.99%p.a.	8.26%p.a.
1 Year Fixed Rate	6.09%p.a.	8.28%p.a.
2 Year Fixed Rate - Special~	5.79%p.a.	7.97%p.a.
2 Year Fixed Rate	5.89%p.a.	7.99%p.a.
3 Year Fixed Rate - Special~	5.69%p.a.	7.70%p.a.
3 Year Fixed Rate	5.79%p.a.	7.73%p.a.
4 Year Fixed Rate - Special~	5.69%p.a.	7.48%p.a.
4 Year Fixed Rate	5.79%p.a.	7.52%p.a.
5 Year Fixed Rate - Special~	5.69%p.a.	7.28%p.a.
5 Year Fixed Rate	5.79%p.a.	7.32%p.a.

Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates effective as of 30/12/2024 and are subject to change without prior notice.

^##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.

^~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.

Fixed Rate Home Loan^#	Interest Rate	Comparison Rate*
1 Year Fixed Rate Investment - Special~	6.09%p.a.	8.57%p.a.
1 Year Fixed Rate Investment	6.19%p.a.	8.59%p.a.
2 Year Fixed Rate Investment - Special~	5.89%p.a.	8.25%p.a.
2 Year Fixed Rate Investment	5.99%p.a.	8.28%p.a.
3 Year Fixed Rate Investment - Special~	5.79%p.a.	7.96%p.a.
3 Year Fixed Rate Investment	5.89%p.a.	7.99%p.a.
4 Year Fixed Rate Investment - Special~	5.79%p.a.	7.72%p.a.
4 Year Fixed Rate Investment	5.89%p.a.	7.76%p.a.
5 Year Fixed Rate Investment - Special~	5.79%p.a.	7.50%p.a.
5 Year Fixed Rate Investment	5.89%p.a.	7.55%p.a.

Interest rates effective as of 30/12/2024 and are subject to change without prior notice.

Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^#Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.

^~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.

Annual Fee	Nil
Establishment Fee	$595
Monthly Fee	Nil

Mortgage Fees & Charges - PDF 113kb
Break Costs and Fixed Interest Rate Guide- PDF 189kb
Get the facts with our Home Loan Key Facts Sheet.

View all home loan interest rates

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Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable.
References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

Interest rates effective as of 30/12/2024 and are subject to change without prior notice.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^##Fixed Rate Home Loan Reverts to the Real Options Home Loan at the end of the Fixed Rate period.

^~Special interest rate is currently available to loans with an LVR of less than or equal to 80%.

^~~Save up to 10%: [Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply. [Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply. [Motor] The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
^@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
^&Minimum Premiums: Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they're applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won't apply below the minimum amount payable for the policy.

Enjoy the certainty of knowing your repayments

Fixed Rate Home Loan

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