## On this page

## Apply now

You can apply online, by calling 13 11 82 or by visiting your nearest branch.

## Key benefits of this loan

- Enjoy the certainty of fixed repayments
- Flexible repayment frequency - pay weekly, fortnightly or monthly
- Interest only repayment option
- Rate-lock facility
- Split-loan interest rate option
- Save on interest rates, products and services

## Rates

Check out our Fixed Home Loan Package rates.

First home buyer

- Yes
- No

Repayment type

- Principal & interest
- Interest only

Fixed rate term

- 1 year
- 2 years
- 3 years
- 4 years
- 5 years

Principal and Interest - First Home Buyer Offer

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.

% p.a.

Comparison rate

A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.

% p.a.

Interest Only - First Home Buyer Offer

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.

% p.a.

Comparison rate

A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.

% p.a.

Interest Only - First Home Buyer Offer

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.

% p.a.

Comparison rate

A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.

% p.a.

Principal and Interest - First Home Buyer Offer

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) of <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) <80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Principal and Interest

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

% p.a.

Comparison rate

% p.a.

Interest Only

Loan to Value Ratio (LVR) >80%

Loan size $100,000+

Loan size $100,000+

Interest rate

%p.a.

Comparison rate

%p.a.

## Product overview

Lock in a competitive fixed interest rate for between one and five years, with the option for flexible repayment frequencies (weekly, monthly or fortnightly).

With one annual fee, our Fixed Home Loan Package provides freedom - with no restrictions to the number of loans you can combine in a package.

Also included in your one annual fee are rate and fee discounts on a wide range of products and services.

To qualify, you need to have a minimum total home lending of $100,000 in eligible package products.

With one annual fee, our Fixed Home Loan Package provides freedom - with no restrictions to the number of loans you can combine in a package.

Also included in your one annual fee are rate and fee discounts on a wide range of products and services.

To qualify, you need to have a minimum total home lending of $100,000 in eligible package products.

### Lock in a competitive fixed interest rate for between one to five years

You'll have the opportunity to revisit your loan option after this period### Loan terms up to 30 years

Flexibility to pay off the loan up to 30 years

### Make extra repayments up to $10,000 per year

Pay off your loan faster### Flexible repayment frequency

Pay weekly, fortnightly or monthly

### Interest only repayment option

Reduce your loan repayments by paying only the interest due monthly

### Split-loan interest rate option

Get the benefits of a part fixed and part variable interest rate loan

### Rate-lock facility

Guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds

### Family guarantee for first home buyers

We'll help you through the process### Construction loan option available

Ask an expert and find out your options

## Plus discounts on other products and services

See how you can save

### $0 Application Fee

Save $600

### $0 Top Up Fee

Save $400 per top-up. Ideal if you’re planning on renovating, investing, buying a car or going on a holiday

### $0 Settlement Fee

save $150

### $0 Monthly Administration Fee

Save $96 per year for each loan### Free Valuation

Receive one valuation each year### Free loan reviews

To ensure your loan is the best fit through all stages of your life

### $0 Personal Loan Application Fee

Save $250

## Fees

Upfront fees

Rate Lock Option Fee

0.15% of the total loan amount

Ongoing fees

Annual Fee

$395

Other fees

Lenders Mortgage Insurance (LMI)

Payable for loans with a deposit less than 20% (80% Loan to Value Ratio (LVR) or higher)

Third party charges

Third party charges apply e.g. stamp duty

Disclosure documents

Fees and charges brochureDownload our Fees and charges brochure (PDF, 152KB)

## Do some quick maths

Let’s help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.

## What else do I need to consider?

### Buying a home

No matter where you are on your home buying journey, we're here to help you get the home you really want.### Buying my first home

We're here to help you with every step of your journey towards buying your first home.### Building or renovating my home

We’ve got finance options to help you renovate and bring your ideas to reality.

## Guides and tips

### Variable vs fixed rate: which loan is best for you?

Understand the differences between variable and fixed home loans and find which option is best for you.### First home buyer guide: grants, schemes and incentives

If you're saving for your first home, we're here to help. We've made understanding the Government's grants and schemes easier.