Fixed home loan
Unexpectedly flexible
Fixed home loans
Owner occupied purposes
Fixed home loans
Investment purposes
Simple
With no monthly or annual fees, our fixed rate home loan offers simple value for purchases and refinances1.
Flexible
Access redraw and benefit from a 100% offset account at no extra cost. Make extra repayments without limits on what you can repay each year3.
Fair
Whether you’re borrowing for the home you live in or an investment, you can access the same rate for principal and interest repayments.
$0
Monthly fee
No ongoing monthly fees to keep things simple.
$0
Annual fee
No recurring annual fees to remember.
$500
Application fee
Includes standard valuation & legal fees. 4
$0
Online redraw
Redraw funds in advance via Internet Banking.
100%
Offset account
You can have up to two offset accounts per loan (or split loan) at no extra cost.
30
Years
Spread your repayments over terms up to 30 years.
$50,000
Min loan amount
The minimum loan amount for new loans.
80%
Maximum LVR
You can borrow up to 80% of the property value.
How to apply
You can apply online or give us a call – one of our Mortgage Specialists will be in touch.
Awards and recognition
Australia’s Best Small Customer Owned Bank | Mozo 2024
Best Customer-Owned Home Loan Lender | Finder 2025
Best Investor P&I Variable Home Loan | Finder 2025
Stay resilient
When it comes to your home loan, choosing a fixed rate is one way to keep repayments predictable for a term to make budgeting easier. Take a look at our other tips to help you stay resilient when it comes to your mortgage.
Find out more
Supplying your Bank Statements
As part of your supporting documentation for your home loan application, we will require a copy of your transaction listing for the bank account your income is deposited to. This must be supplied via our Bank Statements service.
More >
How an offset works
A quick overview of exactly how an offset account works so you can take advantage of one.
Read more
Rate lock
If applying for a fixed home loan, protect against possible rate rises prior to your loan settling.
Read more Pay your loan off faster
Here’s our tips on how to get ahead on your home loan and pay it off sooner.
Read moreCredit eligibility criteria, terms & conditions, fees & charges apply.
1 Rates for new loans are current as at 21/08/25 and subject to change without notice. For fixed rate home loans, after the fixed interest period, the interest rate on the loan reverts to the Street Smart variable rate at the time. Break costs may apply for fixed home loans, please refer to your terms and conditions for more information. Available for purchases and refinances. Construction Loans are excluded. Interest Only repayment option is available for investment purposes only.
3 Break costs may apply to fixed loans, please refer to your terms and conditions for more information.
4 Additional valuation and government fees may apply.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.