Fixed Home Loan

Lock in your interest rate for a set period of time to protect against future increases.

2 Year Fixed Rate Owner-Occupier
2 Year Fixed Comparison Rate

Features & Benefits

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Competitive fixed interest rates
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No monthly service fees
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Split your loan to hedge against interest rate uncertainty
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Dedicated Relationship Manager

If you’re concerned about economic uncertainty and the possibility of adverse interest rate changes our Fixed Home Loans could help set your mind at ease. With the ability to lock in competitive rates and repayments for 1, 2, 3 or 5 years you can rest assured that you won’t be impacted by interest rate rises.

Your dedicated Relationship Manager can work with you as your single point of contact to talk you through complexities, liaise with third parties and deal with queries- both to help you get started and at any time throughout the course of your loan.

Whether you wish to fix for a certain period of time or split your loan between fixed and variable rates2 to hedge your bets against interest rate uncertainty, your Relationship Manager can help structure your home loan to suit your individual situation and meet your needs.

Product Details

Owner Occupier or Investor
Interest Rate Type
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
100% Offset Accounts
Split Loans Allowed
Minimum Amount
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
Minimum Deposit
(with Lenders Mortgage Insurance)
Interest Only Payments Available
Yes, up to 5 years2
Discounted Interest Rate on "Your Choice" Credit Card
3.00% discount
Other Benefits
Annual Fee
Approval Fee
Documentation Fee
Valuation Fee
At cost
Top Up Fee
Restructure Fee
Monthly Service Fee
Break Costs for Early Payout
May apply
Waived Access Fee on Transaction & Savings Accounts
1 Year Fixed Rate Owner-Occupier
1 Year Fixed Comparison Rate
2 Year Fixed Rate Owner-Occupier
2 Year Fixed Comparison Rate
3 Year Fixed Rate Owner-Occupier
3 Year Fixed Comparison Rate
5 Year Fixed Rate Owner-Occupier
5 Year Fixed Comparison Rate
Investor Rates
Please see our Interest Rates page for details of Fixed rates for Investors


1 WARNING: This comparison rate is for a secured Fixed Home Loan based on the specified fixed rate term for $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

2 Terms and conditions apply. Regional Australia Bank reserves the right to determine eligibility for this service.

2 No monthly Access Fee where the minimum monthly membership balance exceeds $5,000.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Community Mutual Ltd is the issuer of the product.