1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)
A fixed rate for 1 year for owner occupiers wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.
- From (owner occupied)
- 6.54%
- 6.18% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year The comparison rate is based on a secured loan amount of $150,000 over a loan 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. | 6.54% | 6.18% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| HOME_LOAN_APPLICATION_FEE Capped at $0.00 · Includes application, one legal and standard valuation fee free for first application, for one security only. | Upfront | $500.00 |
| LOAN_VARIATION_FEE Capped at $0.00 · Includes loan split requests, additional splits, loan top up on existing loan, substitution of security, loan re-fix fee and loan switches (loan switching to a different loan type) | Event | $250.00 |
| SPECIAL_ATTENDANCE Capped at $0.00 · $300 + at cost fees | Event | $300.00 |
| RE-ISSUE_LOAN_DOCUMENTATION_FEE Capped at $0.00 | Event | $300.00 |
| LATE_PAYMENT Capped at $0.00 | Late payment | $25.00 |
| DEFAULT_NOTICE_FEE Capped at $0.00 | Transaction | $50.00 |
| FAILURE_TO_COMPLY_NOTICE Capped at $0.00 |
Features
- Offset account
- Redraw facility
- Extra repayments
- No penalty for extra repayments, an Early Repayment Fee may apply if the loan is paid out and closed during the fixed rate term
- Split loan
Eligibility
- Individuals only
- Minimum age — 18 years
- Residency status — Australian citizen or permanent residency only
Constraints
- Minimum limit — $50,000.00
- Minimum LVR — 1%
- Maximum LVR — 80%
More Information
Published by Easy Street under the Consumer Data Right · Last updated 7 July 2026 · Product ID L43-ES1YRF-OOPI · View on CDR.gov.au · View Source Data (JSON)