Enjoy the stability of a fixed rate

You can be rest assured with our fixed rate home loans knowing what your repayment amount will be for the period you’ve nominated. Benefit from competitive fixed interest rates and take advantage of flexible repayments and no redraw or monthly administration fees. The rate is reduced if the loan-to-value ratio (LVR) is <= 70% (see rates below). LVR is the loan-to-value ratio is the amount you are borrowing represented as a percentage of the value of the property you are buying e.g. $400,000 loan divided by $500,000 property value is 80%.​

Owner occupier, fixed, principal & interest, LVR 70% or less.

LVR 70% or less is available for new business only.

Click Interest Rates below for LVR >70% loans.

Product Features:

Home Loans
Minimum amount : $50,000
Maximum amount : 80% of property value. 95% of property value with mortgage insurance.
Loan period : Up to 30 years
Repayments : Weekly, fortnightly or monthly
Interest only available : No
Redraw available : Yes
Redraw Fee : $0
Minimum redraw amount : No minimum
Offset Account available : Yes - $150 p.a
Establishment fee : $350
Monthly Fee : $0
Interest : Calculated daily, charged monthly
Variable and lump sum repayments : Yes
Top up facility : No
Administration fee : 0
Partial Break Cost : Yes
Early Payout Fee : Yes

Interest Rates

Fixed LVR Interest rate p.a. Comparison rate p.a.
1 Year <=70% 5.99% p.a. 6.52% p.a.
2 Years <=70% 5.79% p.a. 6.57% p.a.
3 Years <=70% 5.69% p.a. 6.48% p.a.
5 Years <=70% 5.69% p.a. 6.36% p.a.
1 Year >70% 6.14% p.a. 6.67% p.a.
2 Years >70% 5.94% p.a. 6.71% p.a.
3 Years >70% 5.84% p.a. 6.62% p.a.
5 Years >70% 5.84% p.a. 6.50% p.a.

How much would my repayments be?

You will need to adjust the interest rate using the slider tool, to provide an indication of results.

Special Offers

Why choose us?

Our purpose is to provide personalised banking services to our members. Our Values are ...

It's all about you

Our members are our reason for being, everything we do, we do for them.

A trusted partner

We will earn our members' trust everyday by acting honestly, ethically and in their best interests.

People for people

In a world of technological innovation, we understand the value of people.

Committed custodian

We will embrace our responsibilities by developing our staff, supporting our communities and respecting the environment.

Important Information: