Fixed Rate Home Loan Interest Only
Lock in your repayments with a fixed rate, with options up to 5 years
- From (owner occupied)
- 6.79%
- 8.18% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.79% | 8.18% | LVR 80% and below |
| Fixed · 1 year Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.79% | 8.35% | LVR 80% and below |
| Fixed · 3 years Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.89% | 8.06% | LVR 80% and below |
| Fixed · 2 years Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.99% | 8.23% | LVR above 80% |
| Fixed · 4 years Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.99% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Dishonour (Direct Debit and Cheque) Capped at $0.00 · If you ask us to take a payment, either direct debit or salary deduction and you do not have enough funds in your account to cover this payment, you will be charged a fee. | Dishonour | $9.00 |
| Consent Fee Payable whenever we agree to a change relating to the title of the property or when we are required to produce a document to a title office, or consent to an action on PEXA (or any other property exchange system). | Event | $200.00 |
| Title Search Fee Capped at $0.00 · This comprises our external searcher’s fee and the Land and Property Information fees. (If the security involves a Community Scheme, or is outside New South Wales, or is old system title, this fee is unascertainable and may be higher. We may charge you what our solicitors or agents charge us to perform this search). | Upfront | $75.00 |
| Redraw Fee via Branch Redraw of advance funds via a Branch. | Withdrawal | $25.00 |
| Substitution in Security Fee Capped at $0.00 · Payable when the Security listed on a mortgage is changed. You may also be charged a valuation fee which is unascertainable. | Variation | $350.00 |
Features
- Split Loan
- Digital banking
- Extra repayments
- You can make regular additional and extra lump sum repayments up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.
- Our Rate Lock option enables you to lock in our current advertised interest rate for your selected fixed rate home loan product, giving you certainty for up to 90 days against potential interest rate increases. A non-refundable fee applies for selecting this option.
- Additional Repayments allowed up to $25000 p.a.
Eligibility
- Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.
- Residency status — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- Individuals only
- Minimum age — 18 years
Constraints
- Maximum LVR — 90%Maximum LVR for Interest Only loans.
- Minimum limit — $5,000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID HL_fixedIO · View on CDR.gov.au · View Source Data (JSON)