---
title: "Amlak Select Fixed — MCCA"
description: "Home Loans from MCCA. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/mcca/products/amlak-select-fixed
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T23:27:39.228114Z
---

# Amlak Select Fixed — MCCA

> Home Loans from MCCA. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

A fixed home finance facility available for both owner occupiers and investors, with fixed terms ranging from 1 to 5 years.

## At a glance

- **From (owner occupied):** 6.7% (6.35% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 6.7% | 6.35% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 3 years | 6.7% | 6.33% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 1 year | 6.75% | 6.43% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 4 years | 6.95% | 6.44% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 5 years | 6.95% | 6.46% | LVR (Loan to Value Ratio) ≤90% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 7.1% | 6.75% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 3 years | 7.1% | 6.73% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 1 year | 7.15% | 6.83% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 4 years | 7.35% | 6.84% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 5 years | 7.35% | 6.86% | LVR (Loan to Value Ratio) ≤80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 6.9% | 6.55% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 3 years | 6.9% | 6.53% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 1 year | 6.95% | 6.63% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 4 years | 7.15% | 6.64% | LVR (Loan to Value Ratio) ≤90% |
| Fixed · 5 years | 7.15% | 6.66% | LVR (Loan to Value Ratio) ≤90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 3 years | 7.3% | 6.98% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 2 years | 7.3% | 6.95% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 1 year | 7.35% | 7.03% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 4 years | 7.55% | 7.04% | LVR (Loan to Value Ratio) ≤80% |
| Fixed · 5 years | 7.55% | 7.06% | LVR (Loan to Value Ratio) ≤80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — A one time fee charged at the time of application, comprising of a $755 application fee, and a $210 processing fee. | Upfront | $965.00 |
| Valuation Fee — A variable fee charged at cost to assess the value of the property used as security for the finance facility, starting from a minimum amount. | Event | From $221.00 |
| Discharge Administration Fee — A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 |
| Discharge Documentation Fee — A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 |
| Break Cost Administration Fee — Fixed Break Cost Administration Fee charged when a borrower breaks their fixed rate period, covering the administration of processing the break request, charged in addition to the Fixed Rate Break Cost. | Event | $150.00 |
| Rental Facility Lock Fee — Fixed Rental Facility Lock Fee allows borrowers to lock in the fixed rental facility fee for 90 days, protecting against potential rental facility fee increases until settlement; compulsory for 5-year fixed terms and optional for other fixed terms. | Event | $350.00 |

## Features

- **Extra repayments** (
Allows borrowers to make additional repayments on the finance facility to reduce rent and pay off the facility faster. Limited to a maximum of $10,000 per year during the fixed term.)

## Eligibility

- **Minimum age** — 18 years (Applicants must be at least 18 years old to apply for this finance facility.)
- **Residency status** — Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.

## Constraints

- **The term of the finance facility cannot exceed 30 years. ** — P30Y
- **The term of the finance facility must be a minimum of 15 years. ** — P15Y
- **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.)
- **Maximum limit** — $3,000,000.00 (The maximum application amount available under this product is $3,000,000.)

## Data provenance

- Published by MCCA under the Consumer Data Right
- Product ID: `amlak-select-fixed`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mcca/amlak-select-fixed
- Provider page: https://www.cdrcompare.au/brands/mcca

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mcca/products/amlak-select-fixed) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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