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.

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
Additional repayments accepted : Yes
Redraw available : Yes
Redraw Fee : $0
Minimum redraw amount : No minimum
Offset Account available : Yes
Offset fee : $150
Establishment fee : $350
Monthly Fee : $0
Annual fee : $0
Interest : Calculated daily, charged monthly
Top up facility : No
Administration fee : 0
Early Payout Fee : Yes
Fixed LVR Interest rate p.a. Comparison rate p.a.
1 Year <=70% 5.84% p.a. 6.51% p.a.
2 Years <=70% 5.59% p.a. 6.40% p.a.
3 Years <=70% 5.54% p.a. 6.31% p.a.
5 Years <=70% 5.79% p.a. 6.27% p.a.
1 Year >70% 5.99% p.a. 6.66% p.a.
2 Years >70% 5.74% p.a. 6.55% p.a.
3 Years >70% 5.69% p.a. 6.45% p.a.  
5 Years >70% 5.94% p.a. 6.42% p.a.

 

How much would my repayments be?

You will need to adjust the interest rate below to provide an indication of results.

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  • 1 Fixed rate reverts to our Home Sweet Home Loan rate after fixed term period.
  • 2 The comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. WARNING: These comparison rates are 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. All loans are secured. Fixed interest rate home loans are fixed for the term specified in the Offer and Loan Contract after which the interest rate will revert to the Home Sweet Home Loan variable interest rate applicable at the time. The standard variable rate is published at each Horizon Bank branch. Terms and Conditions, fees and charges apply and are available on request.
  • 3 Break costs may apply, if over a 12 month period, $30,000 or more is repaid over and above scheduled repayment amounts.
  • 4 Early payout fee is payable if you payout your loan before the end of its fixed interest rate period