--- title: "Fixed Rate Home Loan - 2 years — BankVic" description: "Home Loans from BankVic. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bankvic/products/L27_Fixed_2Yr_HOO_IC3 source: "CDR Compare" language: en-AU last_updated: 2026-06-16T11:37:18.000+10:00 --- # Fixed Rate Home Loan - 2 years — BankVic > Home Loans from BankVic. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans** Lock in peace of mind with a fixed rate home loan enjoy low rates and the certainty that your repayments won t change during the fixed term. ## At a glance - **From (owner occupied):** 6.1% (Variable) ## Apply Applications are handled by the provider: [Apply at BankVic](https://www.bankvic.com.au/apply-home-loan) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable | 6.1% | — | — | | Fixed · 2 years | 6.39% | 6.2% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | SWITCHING_LOAN_PRODUCTS — Loan switching payable when we agree to your request to change your type of home loan or your interest rate. | Upfront | $200.00 | | PRODUCTION_OF_TITLE_FEE — Request to revise Certificate of Title held by BankVic requires consent to mortgage, ownership, including subdivisions, second mortgages, caveats in Victoria only (fee can differ in other states) | Upfront | $330.00 | | MORTGAGE_ESTABLISHMENT_FEE — Includes valuation, solicitor s fees, one Torrens title search and mortgage preparation costs. If applicable, the following fees may be summarised and presented as an Establishment Fee | Upfront | $600.00 | | MORTGAGE_ESTABLISHMENT_FEE_EXISTING_LOAN — Includes, solicitor s fees, one Torrens title search and mortgage preparation costs. If applicable, the following fees may be summarised and presented as an Establishment Fee | Upfront | $300.00 | | TOP-UP_FEE — Increase in loan amount with no valuation required. This top-up fee is waived when a standard metro valuation is required for an increase in loan amount. | Upfront | $200.00 | | REPRESENTATION_FEE — Attendance at settlement by BankVic or its representative | Event | $99.00 | | SECURITY_SUBSTITUTION_FEE — Exclusive of government and other charges | Event | $400.00 | | DISCHARGE_FEE — Payable upon payout of your loan if you request to discharge the mortgage. Exclusive of government and other charge | Event | $295.00 | | TITLE_SEARCH_FEE — Torrens title, where additional searches required | Event | $25.00 | | FINANCIAL_INSTITUTION_CHEQUE | Transaction | $0.00 | | VALUATION_FEE — Only charged when a standard metro valuation is needed for setup or if additional valuation is required. If applicable, this fee may be summarised and presented as an Establishment Fee | Upfront | $300.00 | | VALUATION_FEE_-_NON_STANDARD — At Cost Valuation for Non-Standard (e.g. Country, Interstate or High Value) | Cash advance | $0.00 | | EARLY_REPAYMENT_OR_BREAK_COSTS — Break costs are an amount equal to our reasonable estimate of our loss as a result of you breaking the fixed interest period. Refer fees & charges | Cash advance | Variable | ## Features - **Insurance included** — No-obligation quotes for insurance (with an option of 90 days free building insurance cover during settlement period) - **Make your loan repayments weekly, fortnightly or monthly** - **Extra repayments** (make additional repayments up to $10,000 per year) - **Cashback offer** (If you're buying a property or refinancing, you may be eligible for a cashback offer.) ## Eligibility - **Employment status** — PAYG income and be outside any probationary periods of employment - **Residency status** — Australian citizen - **Member of BankVic** - **Minimum age** — 18 years ## Constraints - **Minimum limit** — $50,000.00 ## More information from BankVic - [Overview](https://www.bankvic.com.au/home-buying/upgrade-refinance) - [Terms & conditions](https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions) - [Eligibility](https://www.bankvic.com.au/home-buying/upgrade-refinance) - [Fees & pricing](https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges) ## Data provenance - Published by BankVic under the Consumer Data Right - Product ID: `L27_Fixed_2Yr_HOO_IC3` - Last updated by the provider: 16 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bankvic/L27_Fixed_2Yr_HOO_IC3 - Provider page: https://www.cdrcompare.au/brands/bankvic - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000184 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bankvic/products/L27_Fixed_2Yr_HOO_IC3) — product data published by Australian data holders under the Consumer Data Right. 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