Fixed Rate Investor Home Loan

Enjoy the assurance of knowing exactly what your home loan repayment will be with the ability to lock in your interest rate for up to 5 years.

  • 4.04%pa

    Interest rate - 1 yr fixed

  • 5.10%pa**

    Comparison rate - 1 yr fixed

  • $600

    Establishment Fee

  • $25k

    Minimum Amount

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Lock in a rate for up to 5 years

Enjoy the assurance of knowing exactly what your home loan repayment will be with the ability to lock in your interest rate for up to 5 years.

At the end of your fixed rate period, refix your interest rate for another fixed rate period or your home loan will revert automatically to the standard variable interest rate.

Rates quoted are for Principal and Interest repayments.

  • Features and benefits

    • Interest only available. Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us us for further information, including interest rates for Interest Only repayments.
    • No ongoing fees
    • 100% Offset facility giving you the opportunity to pay off your home loan sooner
    • Ability to split loan
    • No monthly fees
    • 24/7 access via internet banking
    • 24/7 access via mobile app
    • 24/7 access via phone banking
    • Portability
    All home loans

  • Rates and fees

    Interest rates
    Interest rate - 1 yr fixed 4.04%pa
    Interest rate - 2 yr fixed 4.13%pa
    Interest rate - 3 yr fixed 4.20%pa
    Interest rate - 4 yr fixed 4.58%pa
    Interest rate - 5 yr fixed 4.61%pa
    Comparison rate - 1 yr fixed 5.10%pa**
    Comparison rate - 2 yr fixed 5.02%pa**
    Comparison rate - 3 yr fixed 4.95%pa**
    Comparison rate - 4 yr fixed 5.01%pa**
    Comparison rate - 5 yr fixed 4.98%pa**
    Interest rates effective date Interest rates effective 1 February 2019 and are for Investor Loans with Principal and Interest repayments.
    Interest rates type

    Fixed up to 5 years
    Other information
    Establishment Fee $600
    Repayment Type Principal and interest or interest only
    Interest Rate Type Fixed up to 5 years
    Interest Applied Monthly
    Interest Calculated Daily
    Minimum Amount $25k
    Maximum Amount Maximum LVR 80% before the capitalisation of the MRI premium.*

    Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.
    Settlement Attendance Fee $150
    Additional Valuation and Administration Fee $250

    The rates shown above are interest rates for Principal and Interest repayments.


    For full details of our low rate credit card fees, view our Fees and charges brochure.

  • Fixed rate lock

    Fixed Rate lock fee

    What is a fixed rate lock fee?

    This is the fee to lock in an interest rate on your fixed loan. The rate is locked in for a period of up to 90 days from the date of application.

    How do I lock in a rate on my fixed loan?

    Tick the ‘fixed rate lock fee’ box on your loan application or advise a staff member.

    How do I pay the fee?

    The fee is added to the loan and disclosed in your offer and loan contract.

    What happens if I do not lock the rate in at the time of application?

    You can lock the rate in any time up to 90 days from date of application. If your settlement takes longer than 90 days, the rate will no longer be locked and you will still have to pay the rate lock fee.

    For example: you apply for a 3 year fixed loan with 6.00% pa on 1st April and don’t take up the fixed rate lock option. On the 1st June, the rate is increased to 6.15% pa. At this point, you request that the rate be locked. The rate will be locked at 6.15% pa but only until 1st July (90 days from application).  If your loan does not settle by 1st July, you’ll still be required to pay the rate lock fee at settlement.

    What happens if fixed rates go down?

    The lower interest rate will be applied on the day of settlement but the fee is payable regardless of rate movements.

    Can I lock the rate in when switching to a fixed rate product?

    No. The rate lock option only applies to new loan applications.

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**Comparison rate warning

Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only.

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.

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