Fixed Rate Home Loan Investment Interest Only
Lock in your repayments with a fixed rate, with options up to 5 years
- From (investment)
- 6.59%
- 8.63% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.59% | 8.63% | LVR below and 80% |
| Fixed · 2 years Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.59% | 8.41% | LVR 80% and below |
| Fixed · 3 years Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.69% | 8.24% | LVR 80% or below |
| Fixed · 2 years Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.69% | 8.43% | LVR above 80% |
| Fixed · 1 year Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.69% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Break Costs Fixed Rate Loans Capped at $0.00 · Are payable when before the end of the fixed rate period the borrower “breaks” the fixed rate by: repaying all of the amount owing; or repaying early more than $25,000 during any calendar year; or switching to another product, interest rate or payment type; or are in default and the total amount owing becomes immediately due for payment. | Exit | Variable |
| Rate Lock Fee Capped at $0.00 · This fee is charged for each loan account for which you've opted to lock in a rate, and for each instance of locking in a rate. We charge the Rate Lock Fee to your loan account on the day the loan is funded. Refer to ‘Facts for Mortgage Loans’ for more information. | Upfront | $750.00 |
| Application Fee Capped at $0.00 · Payable to us when increasing borrowing against an existing security. Also known as a loan top-up. | Upfront | $350.00 |
| International Transfer Inward Capped at $0.00 · Fee applies for the conversion of international transfers in a foreign currency to Australian dollars. | Deposit | $12.00 |
| Settlement Cheque Fee NPBS Cheque only Capped at $0.00 · Payable to us when we are required to issue Financial Institution Cheques for settlement. Financial Institution Cheque means a cheque which is issued by us and drawn on us. Where the settlement cheque is drawn by a third party, the fee charged to us by the third party will be passed on to you. The amount of these third party fees may vary and are unascertainable as at the date of these terms and conditions. |
Features
- Split Loan
- 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.
- Digital banking
- 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
- Individuals only
- 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
- Minimum age — 18 years
Constraints
- Minimum limit — $5,000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
- Maximum LVR — 90%Maximum LVR for Interest Only loans.
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID HL_fixedinvIO · View on CDR.gov.au