--- title: "Fixed Rate Loan — Summerland Bank" description: "Home Loans from Summerland Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/summerland-bank/products/79 source: "CDR Compare" language: en-AU last_updated: 2026-08-28T20:00:41.9459268Z --- # Fixed Rate Loan — Summerland Bank > Home Loans from Summerland Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans** For those who want the certainty of a fixed interest rate and repayment for their preferred term - with added flexibility of a redraw facility. ## At a glance - **From (owner occupied):** 5.99% (6.48% comparison) ## Apply Applications are handled by the provider: [Apply at Summerland Bank](https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqUIAS&core=es5) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 3 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 5.99% | 6.48% | — | | Fixed · 3 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.09% | 6.51% | — | | Fixed · 1 year (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.2% | 6.61% | — | | Fixed · 1 year (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.2% | 6.61% | — | | Fixed · 1 year (Owner occupier, principal and interest loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.2% | 6.72% | — | | Fixed · 2 years (Owner occupier, principal and interest loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.22% | 6.69% | — | | Fixed · 3 years (Owner occupier, principal and interest loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.22% | 6.65% | — | | Fixed · 2 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.22% | 6.58% | — | | Fixed · 2 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.22% | 6.58% | — | | Fixed · 4 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.39% | 6.58% | — | | Fixed · 5 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.52% | 6.62% | — | | Fixed · 4 years (Owner occupier, principal and interest loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.54% | 6.74% | — | | Fixed · 4 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.54% | 6.63% | — | | Fixed · 5 years (Owner occupier, principal and interest loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.67% | 6.8% | — | | Fixed · 5 years (Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.) | 6.67% | 6.69% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Establishment Fee — Discount −$300.00 — New Borrower Special (eligibility: Other) | Upfront | $300.00 | | Loan Increase Fee | Upfront | $300.00 | | Valuation Fee — Valuation Fee - Residential $300; Valuation Fee - Non-Residential is at cost. Includes commercial, rural & rural lifestyle properties over 30ha. | Upfront | $300.00 | | Legal Fee — Legal Fee - residential $200; Legal Fee - Non Residential at cost. | Upfront | $200.00 | | Redraw fee - Assisted | Transaction | $25.00 | | Redraw Fee - Electronic | Transaction | $0.00 | | Contract Variation/Consent Fee | Event | $300.00 | | Mortgage Discharge Fee | Transaction | $250.00 | | QuickDebit Dishonour Fee | Event | $15.00 | | Loan Administration Fee — Charged monthly · Discount −$8.00 — New Borrower Special. (eligibility: Other) | Ongoing | $8.00 | | Guarantee Establishment Fee | Upfront | $200.00 | | Valuation Fee - Construction — Payable in addition to the Valuation Fee - residential. | Upfront | $800.00 | ## Features - **Digital banking** (Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.) - **Extra repayments** (Up to $20,000 per annum) - **Guarantor supported** - **Notifications** — Event based notifications - **Real-time payments (NPP)** - **PayID** (Set up a pay ID to receive lightning fast payments.) - **Save on paper, receive and view your statements online with eStatements.** - **Redraw facility** (Access additional payments made to your home loan. Minimum $500. Maximum $20,000.) ## Eligibility - **Minimum age** — 18 years - **Individuals only** - **Lending criteria apply.** - **Residency status** — An eligibility constraint based on residency status applies. ## Constraints - **Minimum limit** — $30,000.00 ## More information from Summerland Bank - [Overview](https://summerland.com.au/my-banking/home-loans/fixed-rate-home-loan) - [Terms & conditions](https://www.summerland.com.au/account-access-facility-conditions-of-use) - [Fees & pricing](https://www.summerland.com.au/loans-fees-charges) ## Data provenance - Published by Summerland Bank under the Consumer Data Right - Product ID: `79` - Last updated by the provider: 28 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/summerland-bank/79 - Provider page: https://www.cdrcompare.au/brands/summerland-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000119 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/summerland-bank/products/79) — product data published by Australian data holders under the Consumer Data Right. 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