Get a lower variable interest rate.
Members please be advised the branch and call centre will be closed Monday 4 August for the Bank Holiday.
A reminder both Internet Banking and our Mobile App are available to access your money, anywhere, anytime.
Enjoy the certainty of fixed repayments while still getting premium benefits
Enjoy rate certainty and peace of mind with a fixed interest rate for a set period. The Premium Fixed Home Loan offers all the benefits of our premium package while locking in your repayments.
3 year fixed
Why choose our Premium Fixed Home Loan?
Don't know where to start?
Chat with one of our Lending Specialists today!
Whether you require support in budgeting, financing, or comprehending the intricacies of the home buying procedure, we stand ready to assist you at each stage, enabling you to make well-informed choices. Reach out to us today to initiate the journey toward your dream home.
| Premium fixed home loan | Owner Occupier | Investment | ||
| Principal & interest | Interest rate | Comparison rate | Interest rate | Comparison rate |
| 1 Year | 5.50% p.a. | 5.91% p.a. | 5.75% p.a. | 6.16% p.a. |
| 2 Year | 5.44% p.a. | 5.86% p.a. | 5.69% p.a. | 6.11% p.a. |
| 3 Year | 5.34% p.a. | 5.80% p.a. | 5.59% p.a. | 6.05% p.a. |
| Premium fixed home loan | Owner Occupier | Investment | ||
| Interest only | Interest rate | Comparison rate | Interest rate | Comparison rate |
| 1 Year | 5.60% p.a. | 5.92% p.a. | 5.85% p.a. | 6.17% p.a. |
| 2 Year | 5.54% p.a. | 5.88% p.a. | 5.79% p.a. | 6.13% p.a. |
| 3 Year | 5.44% p.a. | 5.82% p.a. | 5.69% p.a. | 6.07% p.a. |
Product Features:
Home Loan |
|
|---|---|
| Included in Relationship Rebate : | Yes |
| Deposit required : | 5%* |
| Establishment fee : | $155 |
| Valuation fees included within establishment fee : | No |
| Ability to increase loan amount (Loan Top Up) : | No |
| Additional repayments accepted : | Yes |
| Additional repayments fee : | $0 |
| Annual fee : | $0 |
| Can be used for building : | Yes |
| Early repayments without penalty : | No |
| Easy to apply for loan : | Yes |
| Discharge fee : | $200 |
| Interest charges : | Calculated daily, charged monthly |
| Interest only repayments (up to 5 years) : | Yes |
| Loan term : | up to 30 years |
| Maximum Loan-to-Value ratio : | 95% |
| Minimum amount : | $100,000 |
| Maximum amount : | Subject to application |
| Minimum term (years) : | 1 |
| Mortgage offset : | Yes |
| Partial split loan : | Yes |
| Rate term : | Variable |
| Repayments : | Monthly, Fortnightly, Weekly |
| Redraw facility : | No |
| Redraw fee : | $0 |
| Suitable for vacant land : | Yes |
| Repayment options : | Payroll deduction, Periodical payment, Internet banking |
| Switching fee : | $250 |
| Variable and lump sum repayments : | No |
Compare all our rates and fees
Find out all the latest rates and fees for our Home Loans.
Calculators
Borrowing power
We'll look at your income and expenses to see how much you may be able to borrow.
Loan repayments
Get a better idea of what your expected home loan repayments may look like.
Stamp duty calculator
Use our stamp duty calculator to estimate the stamp duty costs on your property.
Latest news and articles
Stay up-to-date with our latest news and articles to help you along the way
Interest Rate Update: Variable Rates Reduced by 0.25% from 2 June
Interest Rate Update: Variable Rates Reduced by 0.25% from 2 June We’re pleased to announce that effective 2 June 2025, variable interest rates across our home and personal loan products will be
Plan Your Dream European Summer: Top 5 Destinations for Aussies
As the Aussie winter sets in, there’s nothing better than escaping to the sun-drenched streets, stunning beaches, and historic landmarks of Europe. Whether you’re chasing culture, cuisine, or a coastal paradise, here are the top five European summer destinations Australians should have on their radar for 2025.
Bank Orange is excited to partner with Westfund
Health insurance that doesn't just do its job, but adds an extra level of care to its members.
Bali Travel Guide
There’s so much to love about Bali. Without having to travel too far from Australian shores, Bali serves up a rich cultural experience with something for everyone.
New Zealand Travel Guide
Planning a New Zealand getaway?
