DHOAS 5 Year Fixed Rate Home Loan

A Fixed Rate Home Loan gives you the best of both worlds - peace of mind with the certainty of fixed rates, without being locked in for a long period of time, available for DHOAS eligible applicants.
Category: Home Loans  Last Updated May 20, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
6.49% PA
Comparison Rate
6.91%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Extra Repayments
  • Loyalty Program
  • Other Additional Information: Split Loan

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
  • Natural Person
  • Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.

 Bank Fees and Charges

  • Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: + 3rd party costs
  • Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration
  • Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs -To switch to a RateSaver Loan
  • Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested
  • Property Valuation Fee (Variable), Amount: Not Listed.. Additional Information: At cost. Minimum is $250.00
  • Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone
  • Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs-To switch or vary home loans (other than switching to RateSaver)
  • Legal Fees (Variable), Amount: Not Listed.. Additional Information: At cost
  • Fixed Rate Lock Fee (Upfront), Amount: 750.00.
  • Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.
  • Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page
  • Processing Fee (Upfront), Amount: 450.00.
  • Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract
  • Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page
  • Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.
  • Archive Retrieval Fee (Variable), Amount: Not Listed.. Additional Information: A $50 hourly fee applies plus any expenses incurred
  • Documentation Re-issue Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs
  • Fixed Rate Prepayment Cost (Variable), Amount: Not Listed.. Additional Information: Payable if you repay your fixed rate loan in full before the fixed interest rate period expires; or make partial prepayments greater than $10,000 in any year of the fixed rate period. The prepayment cost is calculated and will be advised when the prepayment is made on your fixed rate loan.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00
  • Max Limit of 5000000.00
  • Min Lvr of 0.00
  • Max Lvr of 0.98