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It’s all about certainty with a Fixed Rate

Rest easy with our Fixed Rate Home Loan and safeguard yourself against interest rate rises. With your choice of 1, 2, 3, 4 and 5 year terms, lock in a great rate today!

2 Year Owner Occupied Fixed Rate

3.89% pa
Interest Rate^

4.18% pa
Comparison Rate#

Bank of the year Fixed Home Loan First Home Buyer Canstar Fixed Rate

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Features & Benefits

  • $0 establishment fee, $0 application fee, $0 no annual fees, $0 account keeping fees
  • Extra repayments up to $10,000 a year
  • Borrow up to 95% of the property value on owner occupied home loans (with mortgage insurance+) and 80% on investment loans
  • $100 free monthly transaction allowance to use at ATMs, and EFTPOS etc^.
  • Get a rate guarantee for a period of 90 days. Terms & conditions and fees apply.
    Read our rate lock FAQ's here.


  View all Owner-Occupied interest rate tiers
Fixed Term1 Interest Rate Comparison Rate#
1 year 3.89% pa 4.21% pa
2 years 3.89% pa 4.18% pa
3 years 4.09% pa 4.20% pa
4 years 4.39% pa 4.29% pa
5 years 4.49% pa 4.34% pa
  View all Investment interest rate tiers
Fixed Term1 Interest Rate Comparison Rate#
1 year 4.39% pa 4.62% pa
2 years 4.39% pa 4.59% pa
3 years 4.39% pa 4.57% pa
4 years 4.59% pa 4.62% pa
5 years 4.79% pa 4.70% pa


Calculate your repayments


  Documents & Forms
  Important Information

Loans are subject to approval. Terms and conditions, normal lending criteria and fees and charges apply and are available upon request.

1. On expiration of the fixed rate period, the interest rate reverts to the relevant variable rate Low Cost Home Loan tier for an amount of $250,000; currently 4.24% pa for owner occupied and 4.64% pa for investment loans.

+ Mortgage Insurance is required if borrowing over 80% (owner occupied) and is subject to approval.

^ $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.

#WARNING: This comparison rate applies to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison rate assumes a loan of $150,000, a monthly repayment frequency and a term of 25 years.

Before opening this home loan with us, you should read our Financial Services Guide and to see our terms and conditions, call us on 1300 747 747.

Rates current as at 20 July 2017.