Fixed Home Loan

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

2 Year Fixed
(Owner Occupier, Principal & Interest)
3.99%p.a
2 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.04%p.a2

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 rates1 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

Borrowers
Owner Occupier or Investor
Interest Rate Type
Fixed
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
No
Redraw
No
100% Offset Accounts
No
Split Loans Allowed
Yes
Minimum Amount
$500
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
20%
Minimum Deposit
(with Lenders Mortgage Insurance)
5%
Interest Only Payments Available
Yes, up to 5 years1
Discounted Interest Rate on "Your Choice" Credit Card
3.00% discount
Other Benefits
Annual Fee
None
Approval Fee
None
Documentation Fee
$250
Valuation Fee
At cost
Top Up Fee
$195
Restructure Fee
$200
Monthly Service Fee
None
Break Costs for Early Payout
May apply
Waived Access Fee on Transaction & Savings Accounts
Yes3
1 Year Fixed
(Owner Occupier, Principal & Interest)
3.99%p.a
1 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.13%p.a2
2 Year Fixed
(Owner Occupier, Principal & Interest)
3.99%p.a
2 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.04%p.a2
3 Year Fixed
(Owner Occupier, Principal & Interest)
4.09%p.a
3 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
4.97%p.a2
5 Year Fixed
(Owner Occupier, Principal & Interest)
4.69%p.a
5 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.04%p.a2
Other Rates
Please see our Interest Rates page for details of Investor and Interest Only rates

Disclaimer

Interest rates are on a per annum basis and are current as at 25/08/17 and are subject to change.

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

2 WARNING: This comparison rate is based on $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.

3 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.