Fixed Rate Home Loan - 3 years

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.

Interest Rates

Type	Rate	Comparison	Applies To
Variable	6.1%	—	—
Fixed · 3 years	6.39%	6.23%	—

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

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

Employment status — PAYG income and be outside any probationary periods of employment
Residency status — Australian citizen
Member of BankVic
Minimum age — 18 years

Published by BankVic under the Consumer Data Right · Last updated 16 June 2026 · Product ID L27_Fixed_3Yr_HOO_IC3 · View on CDR.gov.au