Changes to dual-branch servicing: From 29 August 2025, we're making changes to our dual-branch servicing operations. Learn more
At settlement, if the usual fixed rate is lower than the locked in rate, you'll receive the lower rate. For example, a rate locked at 3.99% on the 5 October, settlement occurs 12 November and the usual rate on the 12th is 3.69%, you'll receive the 3.69%.