Print

Print

Why choose a Fixed Rate Home Loan?

Want a secure home loan with no surprises? Our Fixed Rate Home Loan gives you the stability you need to plan your budget and reach your goals. With no monthly account fees, low establishment fees, competitive interest rate and the security of fixed repayments; enjoy a mortgage you can set and forget.

  • Fixed repayments
  • Split loan option
  • Low maintenance
  • Additional repayments
  • Low establishment fee

Fixed Rate interest rates and fees

Canstar Outstanding Value Fixed Home Lender

 

2 year fixed - Choices 3.72 % p.a Owner occupied
4.80 % p.a Comparison rate
 
Establishment fee $600 or $0 with Choices Package
Annual fee $0 or $395 with Choices Package

Monthly account keeping fee

No monthly account keeping fee
Additional repayments option Up to $10,000 annually
Offset account No
Redraw facility No 
Maximum Loan to Value Ratio (LVR)The Loan to Value Ratio (LVR) is the amount you are borrowing, represented as a percentage of the value of the property being used as security for the loan. 80%; 95% with Lenders Mortgage Insurance Help (LMI)Lenders Mortgage Insurance Help (LMI) is a one-off insurance payment which banks generally require you to pay if you have a smaller deposit.
Maximum term 30 years

Canstar award Fixed Home Lender Investment

 

2 year fixed - Choices 4.05 % p.a Investor
5.23 % p.a Comparison rate
 
Establishment fee $600 or $0 with Choices Package
Annual fee $0 or $395 with Choices Package

Monthly account keeping fee

No monthly account keeping fee
Additional repayments option Up to $10,000 annually
Offset account No
Redraw facility No
Maximum Loan to Value Ratio (LVR) The Loan to Value Ratio (LVR) is the amount you are borrowing, represented as a percentage of the value of the property being used as security for the loan. 80%
Maximum term 30 years

Home loan calculator

Our online calculators give you an estimate on what you can borrow and how much you’ll be paying back. Calculate the amount you can afford to pay for a new house and see how any additional repayments influence your loan structure over your set term.

Work out the numbers

Apply for a Fixed Rate Home Loan

You can apply for a Fixed Rate Home Loan online, anytime. Want to get started? Find out how the process works.

How the application process works 

1. Get things underway
Start the process by completing the online application form.

2. We’ll be in touch
Download the home loan application checklist (41KB). Your home lending specialist will call you by the next business day to organise a meeting to go through your situation in depth.

3. Assessment and valuation
To help keep things moving and to make sure all the boxes are ticked, we conduct a property valuation and credit checks.

4. Full approval
Congratulations! We’ll let you know when your loan has been formally approved.