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Home Loans

Fixed Rate Home Loans

Perfect if you have a strict budget - select your fixed rate period, lock it in and you’ll know exactly what your repayments will be during that time, regardless of any movement in our variable rate.

Don’t worry, though – you‘ll still have flexible options at your disposal to save money and pay off your loan sooner.

Plus, for a limited of time we’re letting you choose between a $2,500 cashback* or a reduced rate when you take out an eligible home loan with us. Find out more.

Features

Quick and easy application

Our paperless application makes it simple for you to apply online, over the phone or in person.

Budgeting certainty

You’ll know exactly what your repayments will be throughout the fixed rate period chosen.

Available with our Home Loan Package

Get a discount on your rate - and big fee savings! Annual package fee and conditions apply.

Ability to make additional repayments

Up to $10,000 each year and redraw at no cost.

Start your application now

For a home loan that makes you feel at home – get in touch with us today.

Apply online

Start your home loan application online anytime, anywhere.

Details you’ll need to have handy:

  • Your income and living expense details
  • Information about what you own and what you owe.

We’ll call you back within 48 hours to talk you through the next steps.

Apply online now

Connect with a Mobile Lender

Don’t have time to visit us?

No problem. We can come to you!

Simply book an appointment with one of our Mobile Lending Managers at a time and place that suits you.

Make an appointment

Call or visit us

We're here to help.

Call us on (08) 8202 7777

  • Monday to Friday 8am – 8pm (ACST)
  • Saturdays 8am – 2pm (ACST)

Visit us at 400 King William Street, Adelaide

  • Monday to Friday 8am – 5.30pm (ACST)
  • Saturdays 10am – 2pm (ACST) 
  • Sunday – Closed

Special Offer Owner Occupied Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed Home Loan Package^1 1.99% pa 3.59% pa
2 Year Fixed Home Loan Package^1 1.89% pa 3.46% pa
3 Year Fixed Home Loan Package^1 1.79% pa 3.33% pa
4 Year Fixed Home Loan Package^1 2.25% pa 3.37% pa
5 Year Fixed Home Loan Package^1 2.35% pa 3.34% pa

Special Offer Investment Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
2 Year Fixed Home Loan Package^1 2.49% pa 3.92% pa
2 Year Fixed Home Loan Package - Interest only^1# 2.69% pa 4.11% pa
3 Year Fixed Home Loan Package^1 2.49% pa 3.82% pa
3 Year Fixed Home Loan Package - Interest only^1# 2.69% pa 4.02% pa
4 Year Fixed Home Loan Package^1 2.65% pa 3.78% pa
5 Year Fixed Home Loan Package^1 2.75% pa 3.75% pa

Owner Occupied Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^ 2.59% pa 3.64% pa
1 Year Fixed - Interest only^# 3.64% pa 4.22% pa
2 Year Fixed^ 2.59% pa 3.58% pa
2 Year Fixed - Interest only^# 3.64% pa 4.20% pa
3 Year Fixed^ 2.59% pa 3.53% pa
3 Year Fixed - Interest only^# 3.64% pa 4.19% pa

Owner Occupied Fixed Rate Home Loans

Product Name Interest Rate Comparison Rate
1 Year Fixed 3.19% pa 4.43% pa
1 Year Fixed - Interest only# 3.84% pa 4.90% pa
2 Year Fixed 3.19% pa 4.32% pa
2 Year Fixed - Interest only# 3.84% pa 4.80% pa
3 Year Fixed 3.19% pa 4.21% pa
3 Year Fixed - Interest only# 3.84% pa 4.71% pa

Investment Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^ 3.39% pa 4.11% pa
1 Year Fixed - Interest only^# 3.59% pa 4.30% pa
2 Year Fixed^ 3.39% pa 4.08% pa
2 Year Fixed - Interest only^# 3.59% pa 4.27% pa
3 Year Fixed^ 3.39% pa 4.05% pa
3 Year Fixed - Interest only^# 3.59% pa 4.24% pa

Investment Fixed Rate Home Loan

Product Name Interest Rate Comparison Rate
1 Year Fixed 3.59% pa 4.88% pa
1 Year Fixed - Interest only# 3.79% pa 5.12% pa
2 Year Fixed 3.59% pa 4.76% pa
2 Year Fixed - Interest only# 3.79% pa 4.99% pa
3 Year Fixed 3.59% pa 4.64% pa
3 Year Fixed - Interest only# 3.79% pa 4.88% pa

Fees

Fee Amount
Application Fee$600
Monthly Fee$0
Redraw Fee$0

Calculators

The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.

The Home Loan Repayment calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.

Compare two different loans using their individual honeymoon rates, upfront fees, monthly fees and discharge fees.

The Buying and Selling Costs calculator will calculate the costs of buying and selling, including real estate agent costs and stamp duty.

Offers valid as at 08/04/2021 are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change.

^You must hold, or be approved for, total Package borrowings of at least $150,000. Conditions and annual package fee of $395 applies.

#Interest only interest rates apply when you request to only repay interest charges on you loan. For construction loans, you will only be charged interest only interest rates if, after your construction period, your repayments will not be principal & interest repayments.

1This offer is available on new loans with minimum new borrowings of $150,000. Bridging and construction loans are not eligible for this offer.

*Cashback offer available on any owner-occupied or investment loan with minimum new borrowings of $250,000 where the loan to value ratio is 80% or less. Funds available at settlement, except in the case of construction loans where cashback will be paid on confirmation that the foundation has been poured. Limit of one cashback per household. Not available on fixed rate special offers and bridging loans.

Offer available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less and no cashback is taken. Not available on fixed rate special offers and bridging loans. 

Conditions, fees and lending criteria apply and are available on request. Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are 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.

Download a copy of our Home Loan Interest Rates, Fees and Charges

LVR=Loan to Value Ratio.