Fixed Rate Home Loan - Owner Occupied
With our Fixed Rate Home Loans, you’ll have peace of mind knowing that your repayments will not be altered during the fixed period.
- From (owner occupied)
- 5.89%
- 6.83% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 5.89% | 6.83% | Loan to Value Ratio (LVR) ≤95% |
| Fixed · 2 years up to 95% of the property value with Lenders Mortgage Insurance, 80% without | 5.99% | 6.76% | Loan to Value Ratio (LVR) ≤95% |
| Fixed · 3 years | 6.09% | 6.71% | Loan to Value Ratio (LVR) ≤95% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Default Notice Fee Applies when you fail to make your contracted repayments and we are required to issue a default notice to you. | Event | |
| IPEX Applies per transfer | Event | |
| Subsequent Default Notice Issue Applies when you fail to make your contracted repayments and we are required to issue a subsequent default notice to you. | Event | |
| Bank Cheque Fee Applies when we issue you with a Bank Cheque. | Event | |
| Loan Establishment Fee - Personal Loan Applies when you apply for a Personal Loan | Event | |
| Discharge of Mortgage Settlement Fee Applies when settling a discharge of mortgage | Event | |
| Loan Establishment Fee - Overdraft Applies when you apply for an Overdraft | Event |
Features
- Redraw facility
- Extra repayments
- Up to $10,000 per year extra repayments are allowed.
Eligibility
- Minimum age — 18 years
- Terms and conditions apply
Constraints
- Minimum limit — $20,000.00The minimum loan amount for this product is $20,000
More Information
Published by Family First under the Consumer Data Right · Last updated 16 February 2026 · Product ID 01780996-018d-49b8-a1b3-aacad7e0d7db · View on CDR.gov.au · View Source Data (JSON)