Upcoming Changes to Terms and Conditions – Savings Accounts and Payment Services. Find out more.
Public Holiday Notification: Our branches and contact centre (with the exception of our West End and Ascot branches) will be closed for the Monday 8th June 2026 public holiday. Learn more.
When your fixed-rate home loan comes to the end of its fixed period, you could choose to either re-fix or switch to the prevailing variable rate. You cannot extend the term of your existing fixed rate. Instead, your bank will offer you a revised fixed rate which you can accept or reject.
At the end of your fixed-rate period, it's a good time to take stock of your financial situation before deciding on your next move. A lot has likely changed since you agreed to your original fixed-term rate, including your circumstances, financial goals and what's happening in the global market. These are all important considerations for deciding whether to re-fix or switch to a variable rate for your new loan amount.
We respectfully acknowledge the Traditional Custodians of all the lands on which we live and work, and we pay our respects to Elders past and present. We recognise their continued connection to the land, waters and culture and we acknowledge that sovereignty has never been ceded. Our head offices are located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria, and the land of the Gadigal people of the Eora Nation in New South Wales.
We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.
.svg)