Lock in your interest rate for 1, 2, 3, or 5 years and be certain of what your home loan repayments will be (owner occupied, interest only loan).
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 |
|---|---|---|---|---|---|
| 6.84% | 6.63% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.67% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.72% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.86% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/6- Content hash
sha256 a96863ec90e4e62f47e9ac336fa2fdae4b5f977d1aa4063615bea72d17d2ef35- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_a96863ec90e4e62f_9b0620e3Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/6- Content hash
sha256 a96863ec90e4e62f47e9ac336fa2fdae4b5f977d1aa4063615bea72d17d2ef35- 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 |
|---|---|---|
| Loan advance fee | Upfront | $250.00 |
| Rate lock fee | Event | $500.00 |
| Valuation fee | Other | Set in your letter of offer |
| Documentation fee | Event | $100.00 |
| Discharge fee | Event | $300.00 |
| Production fee | Event | $110.00 |
| Break costs | Other | Set in your letter of offer |
| Annual fee | Periodic | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Extra repayments | Up to $20,000 in additional repayments is allowed during the fixed rate term before you may incur a break cost fee. | |
| Notifications | Customers can configure notifications for incoming payments, services disruptions and updates, and account access. | Customers can configure notifications for incoming payments, services disruptions and updates, and account access. |
| Npp enabled | ||
| Other | Split loan available, subject to product terms and conditions. | |
| Redraw | Up to $20,000 redraw allowed without incurring break costs. | |
| Eligibility: employment status | Applicants must be a PAYG employee. | Applicants must be a PAYG employee. |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: other | - Max 2 borrowers. - Be applying either individually, or jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (You won't be able to apply with a sibling or parent). - Credit criteria, fees and charges apply. | |
| Eligibility: residency status | Be an Australian or New Zealand citizen, or a permanent resident of Australia. | Be an Australian or New Zealand citizen, or a permanent resident of Australia. |
| Limit: max limit | 5000000.00 | |
| Limit: max lvr | 80.00 | |
| Limit: min limit | 80000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 6.86% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 6.72% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.67% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.63% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.