Home Loan Products

Fixed rate loans

Protect against rising interest rates and control your loan repayments with interest rates fixed for up to 5 years. After this, your home loan converts to a Mortgage Simplifier which gives you a low, variable interest rate - and you also have the ability to redraw.

Our Fixed Rate Home Loans are ideal if you are:

• A first home buyer, a home owner or investor wanting security from changing interest rates
• A home owner or investor seeking to combine a fixed and variable loan together
• Looking for a better deal or consolidating expensive debt
• Check out our Fixed Rate Loans Made Easy brochure if you would like to find out more!

Fixed interest rate	Fixed interest rates for terms of 1 to 5 years
Home loan term	Up to 30 years. Automatically converts to Mortgage Simplifier at the end of the term.
Home loan repayment	Principal and Interest, Interest Only or Interest in Advance repayments
Paid by	Direct Debit
Additional payments	Yes, less than $10,000 per year*
Monthly fee	No monthly, annual or transaction fees
Ongoing fees	No
Home loan redraw	at end of fixed term period only

*Per year is defined as from anniversary date of settlement to the day before the following anniversary date. If you select a fixed rate loan, break costs may be payable if at anytime before the fixed term expires, you pay out your loan or you make additional payments of $10,000 or more in an anniversary year, or you change the interest rate applying to your loan to another type of interest rate. Break costs may be substantial.

• Apply online now

Call a home loan specialist on 1800 100 258 or see your broker to lock in a low rate for the next 5 years.