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Enjoy the certainty of knowing your repayments

Enjoy the certainty of knowing your repayments

Standard fixed rate - 2 year fixed rate LVR 80% and below 5.19 %## p.a.
Comparison rate 7.46 %* p.a.
Owner occupied home loans with principal and interest repayments and at the current time, an LVR of less than or equal to 80%.

Fixed Rate Home Loan

With a Fixed Rate Home Loan you can relax and enjoy the certainty of knowing your repayments won’t change during the fixed rate period##. This no frills fixed rate loan offers owner occupiers or investors the option of a Loan to Value Ratio (LVR) of up to 95% for principal and interest home loans.

Coupled with no ongoing fees, ensuring stability in managing your repayments, and the ability to make additional repayments each year up to $25,000. Applying is easy with the ability to enquire online or apply over the phone, or with a mobile lender at a place that suits you. 

Calculators Interest rates

No ongoing fees

No monthly or annual fees.

Split it your way

Divide your loan between fixed and variable rates at no additional cost.

Repayment options

Principal and interest or interest only options available.

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Our local branches and call centre are ready to help you.

Up to $3,000 cashback^

By applying for a new purchase or refinancing with us online.

Save money and time.

Get your application underway in just 15 minutes.

Give paperwork the flick.

Less life admin means more time for the stuff that matters.

Go with the pros.

We've got you covered every step of the way.

Online Cashback Offer Terms and Conditions

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Ready to apply online?

We’ve made it easy and secure so you can get straight to it. Keep some ID handy and your internet banking details to really speed up the process knowing that we never see or store this information.

Save money and time. Apply in under 15 minutes and give paperwork the flick.
Ideal for refinancing or buying a new home.
Your details are protected by secure technology.

Apply now

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We get it. Sometimes you need that personal touch to help with your unique circumstances. Backed by more than 100 years of experience, we’re here to help every step of the way.

Speak to one of our experts in person or over the phone at a time that suits you.
Great for those wanting assistance with an existing loan.
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Tap into the resource of your local lender. Get expert advice based on your unique circumstances while securing a great rate at an award-winning bank.

Your friendly lender is available in person or over the phone. Make your appointment today.

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Features

Fixed Rate Home Loan overview

Our Fixed Rate Home Loan offers you the certainty of knowing what your repayments will be for the fixed rate period.

Lock in a great fixed rate

Our Rate Lock option allows you to lock in our current advertised rate, protecting you for 90 days against potential interest rate increases while you work toward settling your loan, helping to make your home-buying journey just that little bit easier. 
Read our Rate Lock FAQs to find out more.

Minimum loan amount No minimum
Maximum loan term 30 years
Additional repayments You can make regular additional and extra lump sum repayments, up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.
Redraw facility Not available
Repayment holiday Yes
Repayment frequency Monthly, fortnightly or weekly repayments.
Repayment options Principal & interest or interest only.
Split loan Split your home loan into multiple loan accounts. For example, one could be a fixed rate and one a variable rate.
Rate Lock Option available for a fee
100% Interest offset account Not available
Mortgage portability Yes
Maximum Loan to Value Ratio (LVR) Less than 95% of the value of the property for owner occupied and investment loans. Lower LVR’s apply to Interest Only loans

 

Rates are effective as at 9am Wednesday 16/07/2025 and are subject to change without prior notice.
Fixed Rate Home Loan ## LVR 80% and below
(Special)		 Comparison rate*
(Special)
 LVR above 80% Comparison rate*
1 Year Fixed 5.59% p.a. 7.78% p.a. 5.69% p.a. 7.79% p.a.
2 Years Fixed  5.19% p.a. 7.46% p.a. 5.29% p.a. 7.48% p.a.
3 Years Fixed 5.19% p.a. 7.22% p.a. 5.29% p.a. 7.25% p.a.
4 Years Fixed 5.49% p.a. 7.10% p.a. 5.59% p.a. 7.14% p.a.
5 Years Fixed 5.49% p.a. 6.93% p.a. 5.59% p.a. 6.97% p.a.
Rates are effective as at 9am Wednesday 16/07/2025 and are subject to change without prior notice.
Fixed Rate Investment Home Loan # LVR 80% and below
(Special)
 Comparison rate*
(Special)
 LVR above 80% Comparison rate*
1 Year Fixed 5.69% p.a. 8.09% p.a. 5.79% p.a. 8.10% p.a.
2 Years Fixed  5.29% p.a. 7.75% p.a. 5.39% p.a. 7.77% p.a.
3 Years Fixed 5.29% p.a. 7.48% p.a. 5.39% p.a. 7.51% p.a.
4 Years Fixed 5.59% p.a. 7.35% p.a. 5.69% p.a. 7.38% p.a.
5 Years Fixed 5.59% p.a. 7.15% p.a. 5.69% p.a. 7.19% p.a.

 

Annual fee Nil
Establishment fee $595
Monthly fee Nil

Mortgage fees and charges - PDF 113kb

Break costs and fixed interest rate guide - PDF 189kb

Get the facts with our Home Loan Key Facts Sheet.

All interest rates

Most popular home loans

Real Deal Home Loan

One of our best rates, includes redraw and allows additional repayments.

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Premium Plus Package Fixed

A fixed rate package home loan with many additional perks like redraw and discounts on other products.

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Premium Plus Package Variable

A variable rate package home loan with fee free redraw and a 100% offset account.

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Fixed Rate Home Loan

Lock in your repayments with a fixed rate, with options up to 5 years.

Learn more

Save up to 10%

Save up to 10% discount on your first year's premium when you quote and buy a new policy online.~~@&

~~@& Terms and conditions apply.

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Tips on saving through to settlement

Rates are effective as at 9am Wednesday 16/07/2025 and are subject to change without prior notice.

Fees and charges apply. Applications are subject to credit approval. Loan Terms and Conditions are provided with loan offers and available here. 

References to "LVR" mean Loan to Value Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.

##Fixed Rate Home Loan reverts to the Real Options Home Loan at the end of the Fixed Rate period.

#Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.

^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,000 cashback for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. Excludes refinances from Greater Bank, part of NGM Group. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available where any loan cashback has been paid within the past 12-months, or in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions

~~ Save up to 10%: 
[Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply.
[Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
[Motor] The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.

@ To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.

& Minimum Premiums: Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won’t apply below the minimum amount payable for the policy.