Sunday 26 July 2026 - Planned Maintenance: On Sunday 26 July 2026, from 12:30am – 6:30am we will be undertaking important maintenance to our digital banking services . During this time some services may be affected. Find out more.
Terms and conditions update: From 24 August, we're updating our Savings Account and Payment Services T&Cs, including transaction and payment limits. Learn more.
A fixed-term home loan is a mortgage option where the interest rate is locked in for a set amount of time. This fixed rate period is usually between one and five years. If you take out a fixed-term home loan, your mortgage repayments will not change during the duration you have the fixed rate, regardless of whether interest rates are rising or falling.
Home loan repayments on a fixed-rate loan can include either principal and interest or interest only . Typically interest only payments are used by customers when the loan purpose is for investment. The principal part of your repayment is the portion of money you’ve borrowed from the bank for your home payment, while interest is the fee charged by the bank to lend this money.
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.
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