Smart Fixed Rate Home Loan 2 year

for those members who want certainty of repayments
Category: Home Loans  Last Updated July 27, 2026  Effective October 4, 2026

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Secured by Mortgage over Residential Property
Interest Rate
6.39% PA
Comparison Rate
7.11%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 Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 7.15%
  • Lending Rate Type: Variable
  • Interest Rate: 7.15%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Other Additional Information: At the end of the fixed rate period the loan can either be refixed or it transfers to the Mortgage Smart Home Loan variable rate
  • Extra Repayments Additional Information: Up to $10,000 per year
  • Other Additional Information: split loan allowed
  • Redraw Additional Information: Allowed - Minimum $500

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Residency Only.
  • Other Additional Information: Maximum LVR 95% subject to Lenders Mortgage Insurance approval

 Bank Fees and Charges

  • Mortgage Discharge Fee (Exit), Amount: Not Listed.. Additional Information: Discharge fees are paid on discharge
  • Break Cost Fee (Transaction), Amount: Not Listed.. Additional Information: Fee may apply if part or all of the loan is repaid early
  • Smart Home Loan Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: Establishment fees paid on funding (Includes Mortgage Registration Fee)

 Limitations & Restrictions (Constraints)

  • Min Balance of 75000.00
  • Max Lvr of 0.80 Additional Information: Maximum LVR 80% without Lenders Mortgage Insurance
  • Other of Additional Information: For Owner Occupied purposes only