Fixed Rate Home Loan (Owner Occupier)
Our Fixed Rate Home Loan protects you from ongoing interest rate rises, while giving you the added security of consistent repayments during the first phase of your loan.
- From (owner occupied)
- 6.3%
- 7.45% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Maximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable Basics Home Loan interest rate, less a margin of 1.50% for Owner Occupier loans. The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates. | 6.3% | 7.45% | Loan to Value Ratio (LVR) |
| Fixed · 2 years Maximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable Basics Home Loan interest rate, less a margin of 1.50% for Owner Occupier loans. The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates. | 6.45% | 7.36% | Loan to Value Ratio (LVR) |
| Fixed · 3 years Maximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable Basics Home Loan interest rate, less a margin of 1.50% for Owner Occupier loans. The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates. |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | |
| Transfer Fee Payable if the Customer asks the Bank to change the security property by releasing its security over some or all of the security property and taking security over different property, without any other amendments to the agreement. It does not include any solicitor costs or fees payable to a government registry to register a document. | Event | |
| Arrears Letter Fee | Event | |
| Search Fee Per hour or part thereof - payable whenever the Customer (or a Guarantor) requests a copy of a document (other than a statement) connected to the Facility. It is calculated on the basis of the time that it takes the Bank’s staff to search for the document. | Transaction | |
| Direct Debit Dishonour Fee Payable whenever a direct debit to the Customer’s loan account is dishonoured. | Event | |
| Tenanted Security Report Fee Per hour or part thereof - payable when the security property is to be the place of residence of the Customer and the Bank ascertains by inspection (because the Customer did not tell the Bank) that the Customer no longer occupies the security property. It is calculated on the basis of the time that it takes the Bank’s staff or agents to inspect the security property. |
Features
- • Fixed interest rate for the first 1 to 5 years. • Weekly, fortnightly or monthly repayments. • Automatic repayments. • Loan portability available. • Maximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. • Loan Mortgage Insurance (LMI) is required if amount borrowed is more than 80% of the value of the property.
- Digital banking
- Loan Purpose: Owner Occupied.
- Repayment Type: Principal and Interest.
Eligibility
- • This loan is available to new and existing customers. • Available to applicants over the age of 18 years. • Applicant must meet the Bank’s Credit criteria. • Loan Mortgage Insurance (LMI) is required if amount borrowed is more than 80% of the value of the property. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check requirements.
Constraints
- Minimum limit — $50,000.00
More Information
Published by Arab Bank Australia Limited under the Consumer Data Right · Last updated 5 May 2026 · Product ID FIXEDOO01 · View on CDR.gov.au