A no-frills fixed rate home loan offering repayment certainty, with limited additional repayment options.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.39% | 6.86% | Fixed · 4 years · investment · interest only · LVR 60% or less · $100,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 7.39% | 6.86% | Fixed · 4 years · investment · interest only · LVR 60%–70% · $100,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 7.39% | 6.86% | Fixed · 4 years · investment · interest only · LVR 70%–80% · $100,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 7.59% | 7.03% | Fixed · 4 years · investment · interest only · LVR 80%–90% · $100,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 7.19% | 6.79% | Fixed · 4 years · investment · principal and interest · LVR 60% or less · $100,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 7.19% | 6.79% | Fixed · 4 years · investment · principal and interest · LVR 60%–70% · $100,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 7.19% | 6.79% | Fixed · 4 years · investment · principal and interest · LVR 70%–80% · $100,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 7.39% | 6.96% | Fixed · 4 years · investment · principal and interest · LVR 80%–90% · $100,000–$5,000,000 | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://prd.cdr.aussie.com.au/cds-au/v1/banking/products/54dff13e-a89a-4e97-a61e-1991d1ebb1bb- Content hash
sha256 5cb41751771a2f47f130f33a10d4a08581231384a8c9fde40096d3fdcd6d7c49- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5cb41751771a2f47_f86b0658Show details
- Checked
- 1 Nov 2026
- URL
https://prd.cdr.aussie.com.au/cds-au/v1/banking/products/54dff13e-a89a-4e97-a61e-1991d1ebb1bb- Content hash
sha256 5cb41751771a2f47f130f33a10d4a08581231384a8c9fde40096d3fdcd6d7c49- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Consent Fee | Event | $300.00 |
| Settlement Fee (Discharge) | Event | $535.00 |
| Document Handling Fee | Event | $50.00 |
| Early Repayment Adjustment | Exit | Set in your letter of offer |
| Enforcement Costs | Event | Set in your letter of offer |
| Further Advance Application Fee | Event | $400.00 |
| Late Payment Fee | Late payment | $50.00 |
| Lenders Mortgage Insurance Premium | Other | Set in your letter of offer |
| Payment Dishonour Fee | Dishonour | $10.00 |
| Special Attendance Fee | Event | $300.00 |
| Settlement Cheque Fee | Event | $10.00 |
| Urgent Transfer Fee | Event | $30.00 |
| Valuation Fee | Event | $300.00 |
| Variation Fee | Event | $100.00 |
| Documentation Fee | Event | Set in your letter of offer |
| Rate Lock Fee | Event | $750.00 |
| Legal Fee | Event | $330.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Additional repayments | Additional repayments can be made up to 5% of the original fixed loan approved amount as at the start of the fixed rate term per year. Break costs may apply beyond 5%. |
| Guarantor | Guarantor | A person that helps you secure a loan by providing additional security |
| Other | Loan Term | 10-30 years (Subject to our approval) |
| Other | Switching your loan | Ability to switch your loan or repayment type, for example switching from an Aussie Select Basic Variable Rate to an Aussie Select Basic Fixed Rate home loan or switch from Principal and Interest repayments to Interest Only payments. |
| Other | Loan portability | Ability to substitute security property and keep existing loan. Fees and break costs may apply |
| Other | Acceptable Loan Purposes | This loan can be used for the purposes of owner occupied property purchases, refinancing your existing home loan, personal needs (e.g. home renovations, consolidation of personal debt, personal investments). |
| Digital banking | Wherever you are in the world, we give you the choice and control to securely manage all of your accounts online. | |
| Eligibility: min age | 18 | Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older. |
| Eligibility: natural person | Individuals | Must be a natural person, non-individuals not accepted |
| Eligibility: residency status | Applicable residency status | Eligible applicants must be an Australian citizen, permanent resident, or specified temporary Australian resident; a New Zealand citizen; or an overseas citizen applying jointly with an Australian citizen or permanent resident. |
| Eligibility: other | Sufficient security | The loan must be supported by sufficient security, which includes an acceptable residential mortgage and, if applicable, a guarantor providing additional security. |
| Eligibility: other | Applications for home loans are subject to the Bank's normal credit approval. | |
| Limit: min limit | 100000.00 | |
| Limit: max limit | 5000000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 4 years · investment · interest only · LVR 60% or less · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.39% | 6.86% |
| Fixed · 4 years · investment · principal and interest · LVR 70%–80% · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.19% | 6.79% |
| Fixed · 4 years · investment · interest only · LVR 60%–70% · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.39% | 6.86% |
| Fixed · 4 years · investment · interest only · LVR 70%–80% · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.39% | 6.86% |
| Fixed · 4 years · investment · interest only · LVR 80%–90% · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.59% | 7.03% |
| Fixed · 4 years · investment · principal and interest · LVR 60% or less · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.19% | 6.79% |
| Fixed · 4 years · investment · principal and interest · LVR 60%–70% · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.19% | 6.79% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–90% · $100,000–$5,000,000 | 1 Nov 2026 | Current | 7.39% | 6.96% |
*Comparison rates are calculated on a $150,000 secured loan over a 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. Fees and charges are payable.
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