Fixed P&I (Home)

Fixed Rate Home Loan Owner Occupied Principal & Interest
Category: Home Loans  Last Updated June 30, 2025  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information <80% LVR,3 years fixed rate -5.24%
Interest Rate
5.24% PA
Comparison Rate
5.64%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..
  <80% LVR,2 years fixed rate
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <80% LVR,3 years fixed rate
  • Lending Rate Type: Fixed
  • Interest Rate: 5.24%, Comparison Rate 5.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <80% LVR,4 years fixed rate
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <80% LVR,5 years fixed rate
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 5.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80% - 90% LVR,1 year fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80% - 90% LVR,2 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80% - 90% LVR,3 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80% - 90% LVR,4 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80% - 90% LVR,5 years fixed rate
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 5.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking Additional Information: Our secure Online Banking service means access to your accounts 24 hours a day, seven days a week.
  • Npp Enabled Additional Information: This account is able to receive Osko payments
  • Npp Payid Additional Information: PayIDs can be linked with this account
  • Other Additional Information: Rate guarantee for a period of 90 days. Terms & conditions and fees apply
  • Other Additional Information: Extra repayments up to $10,000 a year
  • Other Additional Information: Split your loan with our lowest variable rate
  • Other Additional Information: Choice of 1, 2, 3, 4 or 5 year fixed terms

 Product Eligibility

  • Employment Status - Full Time, Part Time, Casual, Self Employed.
  • Min Age - 18. Additional Information: 18 years and above
  • Natural Person
  • Other Additional Information: Minimum deposit 10%
  • Residency Status - Customers Who Are Permanent Resident Or Citizens May Apply For The Product.

 Bank Fees and Charges

  • Annual Fee (Periodic), Amount: 0.00.
  • Account Keeping Fee (Periodic), Amount: 0.00.
  • Establishment Fee (Upfront), Amount: 0.00.
  • Rate Lock Fee (Event), Amount: Not Listed.. Additional Information: Minimum fee $50

 Limitations & Restrictions (Constraints)

  • Max Lvr of 90.00
  • Min Limit of 150000.00
  • Min Lvr of 0.00