Compare 1 Year Fixed Rate Home Loans

Rates and Fees verified correct on December 9th, 2016

Fixed1year

How to ensure that your repayments do not fluctuate for one whole year

Unlike variable home loans, one year fixed rate home loans have an interest rate that does not fluctuate. Fixing your mortgage can be a great idea if lending rates are predicted to rise. Any eligible borrower can apply for a fixed rate home loan, although how much you can get approved for will depend on your current debt, assets and income.

Banks, credit unions and other lenders will usually offer fixed mortgages, and your suitability for this type of loan depends on your lifestyle and financial plans. For instance, you can fix your mortgage for a year if you want to free up your finances and take care of other commitments. A mortgage broker can help you determine whether a fixed home loan would be suited to your needs and also help you choose the best time to fix it so that you save money on interest rates.

1 year fixed rate home loans

Rates last updated December 9th, 2016.

Westpac Fixed Options Home Loan Premier Advantage Package - 1 Year

Comparative rate increases by 0.08%

October 10th, 2016

loans.com.au Fixed - 1 Year Fixed (Owner Occupier)

Interest rate is now 3.89%

November 8th, 2016

Bank of Sydney Expect More Fixed Rate Home Loan - 1 Year

Comparative rate increases by 0.14% | Interest rate increases by 0.10%

November 18th, 2016

View latest updates

Jodie Humphries Jodie
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier)
Refinance with UBanks low 1 year fixed rate offer. No application fee.
3.69% 4.15% $395 $0 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed ($150K+ Owner Occupier)
Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.
3.59% 4.42% $0 $375 p.a. 85% Go to site More info
loans.com.au Fixed - 1 Year Fixed (Owner Occupier)
Lock in a short interest loan term with a low interest rate.
3.89% 3.71% $0 $0 p.a. 80% Go to site More info
NAB Choice Package Home Loan - 1 Year Fixed (Owner Occupier)
A low interest rate home loan with flexible repayment options. 250,000 Velocity Frequent Flyer point offer, conditions apply.
3.99% 4.98% $0 $395 p.a. 95% Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier)
Get a short term fixed rate for that investment property with no application or ongoing fees.
3.99% 4.90% $0 $0 p.a. 95% Go to site More info
IMB Fixed Rate Home Loan - 1 Year Fixed (LVR < 90% Owner Occupier)
Lock in a rate for one year and get the ability to make additional repayments for 12 months without penalty.
4.29% 4.75% $445 $6 monthly ($72 p.a.) 90% Go to site More info
NAB Tailored Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier)
Enjoy a low rate fixed home loan with the ability to borrow up to 95% of the property value. 250,000 Velocity Frequent Flyer point offer, conditions apply.
4.09% 5.27% $600 $8 monthly ($96 p.a.) 95% Go to site More info
Commonwealth Bank Fixed Rate Home - 1 Year Fixed Rate (Owner Occupier)
A 1 year fixed rate home loan from Commonwealth Bank.
4.54% 5.30% $600 $8 monthly ($96 p.a.) 90% More info
3.79% 4.04% $0 $330 p.a. 80% More info
eMoney PRIME Full Doc Fixed Home Loan - 1 Year
Enjoy flexible features such as interest rate lock.
4.17% 4.63% $0 $0 p.a. 95% More info
Citibank Fixed Rate Loan - 1 Year Fixed Rate (Owner Occupier)
A competitive fixed interest rate with an international bank.
4.19% 4.76% $399 $8 monthly ($96 p.a.) 90% More info
St.George Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier)
Enjoy a 1 year fixed rate with great features such as redraw, rate lock, a partial interest offset facility, repayment pause and more!
4.54% 5.43% $600 $10 monthly ($120 p.a.) 95% More info
Bank of Sydney Expect More Fixed Rate Home Loan - 1 Year
$0 application fee with a 1 year fixed rate home loan.
4.09% 4.61% $0 $395 p.a. 90% More info
Westpac Fixed Options Home Loan Premier Advantage Package - 1 Year
Secure a low fixed rate offer plus low ongoing fee.
4.39% 5.07% $0 $395 p.a. 95% More info
ANZ Breakfree Package Home Loan - 1 Year Fixed (Owner Occupier)
A competitive package home loan with 100% offset account.
4.39% 4.75% $0 $395 p.a. 95% More info
4.86% 5.66% $600 $8 monthly ($96 p.a.) 95% More info
BankSA Super Fund Home Loan - 1 Year Fixed
Borrow from $100000 up to $2000000.
5.19% 5.79% $1,500 $12 monthly ($144 p.a.) 80% More info
St.George Fixed Super Fund Home Loan - 1 Year Fixed Rate
Lock in a competitive rate for 1 year and save on costs related to your SMSF investment.
5.19% 5.80% $1,500 $12 monthly ($144 p.a.) 70% More info
Rates last updated December 9th, 2016
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier)
A fixed rate package loan with flexible repayments options. 250,000 Velocity Frequent Flyer point offer, conditions apply.
3.75% 4.87% $0 $395 p.a. 95% Go to site More info
loans.com.au Fixed - 2 Year Fixed (Owner Occupier)
Another low interest rate offer from loans.com.au. No application fee to pay.
3.89% 3.72% $0 $0 p.a. 90% Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Years Fixed (Owner Occupier)
Enjoy a low interest rate and borrow up to 95% (with LMI) of your home value.
3.99% 4.81% $0 $0 p.a. 95% Go to site More info
ANZ Breakfree Package Home Loan - 2 Year Fixed (Owner Occupier) $150k+
A package home loan with fee and rate discounts.
3.75% 4.62% $0 $395 p.a. 95% Go to site More info
Bank Australia Premium Home Loan Package - 2 Year Fixed (Owner Occupier) LVR < 80%
Buy a new home even if you haven't yet sold your existing one with the bankmecu Bridging Loan
3.69% 4.24% $0 $350 p.a. 95% Go to site More info
Switzer Fixed Rate Home Loans - 2 Years Fixed Rate
A competitive 2 year fixed rate with your very own lending service manager.
3.97% 3.99% $0 $0 p.a. 80% Go to site More info
3.94% 4.33% $0 $395 p.a. 90% Go to site More info
CUA Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier)
A fixed home loan with no ongoing fees and flexible repayments options.
3.69% 4.56% $600 $0 p.a. 95% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 2 Year Fixed ($150K+ Owner Occupier)
Discount off an already competitive 2 year fixed rate for loans over $150k. NSW,QLD and ACT residents only.
3.74% 4.40% $0 $375 p.a. 85% Go to site More info
CUA Premium Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier)
Enjoy a 2 years fixed rate with $0 ongoing fees, free multi-account offset, flexible repayment options and easy access to your cash with a redraw facility.
3.91% 4.60% $600 $0 p.a. 95% Go to site More info
NAB Tailored Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier)
A fixed rate home loan with the ability to lock the interest rate at the time of loan approval for up to 3 months. 250,000 Velocity Frequent Flyer point offer, conditions apply.
3.85% 5.12% $600 $8 monthly ($96 p.a.) 95% Go to site More info
ME Bank Flexible Home Loan Fixed - 2 Year Fixed Rate (Owner Occupier)
No application or ongoing fees and a competitive 2 year fixed rate.
3.84% 4.75% $0 $0 p.a. 95% Go to site More info
Citibank Fixed Rate Loan - 2 Year Fixed Rate (Owner Occupier)
One of Citibank's best fixed rate on offer.
4.19% 4.74% $399 $8 monthly ($96 p.a.) 90% More info
ANZ Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier)
Flexible repayment options to help you save.
3.90% 5.06% $600 $10 monthly ($120 p.a.) 95% More info
Citibank Mortgage Plus Fixed Rate - 2 Year Fixed Rate (Owner Occupier)
Borrow up to $90 with Citibank Mortgage Plus 2 Year Fixed Rate.
3.99% 4.54% $0 $350 p.a. 90% More info
St.George Fixed Rate Advantage Package -  2 Year Fixed Rate (Owner Occupier)
A discounted package rate for owner occupiers with the ability to package a Qantas rewards earning Amplify credit card. $1,500 cash back available for refinancers, conditions apply.
3.99% 5.07% $0 $395 p.a. 95% More info
Westpac Fixed Options Home Loan Premier Advantage Package - 2 Years
A low interest rate home loan and competitive two year fixed rate.
3.99% 4.97% $0 $395 p.a. 95% More info
Westpac Fixed Options Home Loan - 2 Years
A fixed rate with redraw facility and portability options.
4.19% 5.25% $600 $8 monthly ($96 p.a.) 95% More info
Commonwealth Bank Fixed Rate Home - 2 Year Fixed Rate (Owner Occupier)
Peace of mind for two years with a fixed interest rate.
4.14% 5.16% $600 $8 monthly ($96 p.a.) 90% More info
eMoney PRIME Full Doc Fixed Home Loan - 2 Years
You can enjoy certainty, plan your budget and financial security when you fixed interest rates.
4.17% 4.59% $0 $0 p.a. 95% More info
BankSA Super Fund Home Loan - 2 Year Fixed
A rate locked in for 2 years on your SMSF property.
4.99% 5.72% $1,500 $12 monthly ($144 p.a.) 80% More info
5.09% 5.39% $200 $0 p.a. 0% More info
Rates last updated December 9th, 2016
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier)
A competitive refinance offer on a 3 year fixed rate.
3.69% 4.00% $395 $0 p.a. 80% Go to site More info
ME Bank Flexible Home Loan Fixed - 3 Year Fixed Rate (Owner Occupier)
A competitive 3 year fixed rate with a redraw facility and split loan options, plus no application fee.
3.84% 4.66% $0 $0 p.a. 95% Go to site More info
loans.com.au Fixed - 3 Year Fixed (Owner Occupier)
A low rate 3 year loan with no ongoing fees or application fee from an award winning lender.
3.89% 3.74% $0 $0 p.a. 90% Go to site More info
IMB Platinum Package Fixed Home Loan - 3 Year Fixed (LVR < 90% Owner Occupier)
3 years fixed platinum package with a low interest rate and $0 application fee.
3.75% 4.62% $0 $395 p.a. 90% Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 3 Years Fixed (Owner Occupier)
Split your loan for free with one of the lowest fixed home loan rates.
3.99% 4.73% $0 $0 p.a. 95% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 3 Year Fixed ($150K+ Owner Occupier)
Enjoy discounts on insurance products and other accounts with Greater with this package loan. NSW, QLD and ACT residents only.
3.79% 4.38% $0 $375 p.a. 85% Go to site More info
NAB Choice Package Home Loan - 3 Year Fixed (Owner Occupier)
Receive discounts on interest rates with the Choice Package. 250,000 Velocity Frequent Flyer point offer, conditions apply.
3.89% 4.84% $0 $395 p.a. 95% Go to site More info
Switzer Fixed Rate Home Loans - 3 Years Fixed Rate
Fix this competitive rate for 3 years and pay no monthly or annual fees.
4.12% 4.02% $0 $0 p.a. 80% Go to site More info
IMB Fixed Rate Home Loan - 3 Year Fixed (LVR < 90% Owner Occupier)
3 years fixed interest terms and free access to redraw facility online.
3.85% 4.57% $445 $6 monthly ($72 p.a.) 90% Go to site More info
NAB Tailored Fixed Rate Home Loan - 3 Year Fixed (Owner Occupier)
Flexible fixed rate home loan which will allow you to take break from repayments if you're ahead of scheduled repayments.
3.99% 5.04% $600 $8 monthly ($96 p.a.) 95% Go to site More info
RAMS Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupier, P&I)
Fix your home loan for 3 years and you could save on your home loan with principal and interest repayments.
4.24% 5.05% $595 $20 monthly ($240 p.a.) 95% More info
Homeloans Ultra - 3 Year Fixed Rate
A 3 year fixed rate offer from Homeloans.
4.94% 5.00% $0 $0 p.a. 95% More info
Commonwealth Bank Fixed Rate Home - 3 Year Fixed Rate (Owner Occupier)
A fixed rate home loan offer from Commonwealth Bank.
4.24% 5.10% $600 $8 monthly ($96 p.a.) 90% More info
Bankwest Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupiers)
Fix your home loan for 3 years and be able to work out your budget knowing your loan repayments.
4.19% 5.09% $295 $12 monthly ($144 p.a.) 90% More info
Citibank Mortgage Plus Fixed Rate - 3 Year Fixed Rate (Owner Occupier)
A competitive fixed interest rate for three years.
3.99% 4.52% $0 $350 p.a. 80% More info
St.George Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupier)
Redraw facility and interest-only repayments available.
4.24% 5.21% $600 $10 monthly ($120 p.a.) 95% More info
Westpac Fixed Options Home Loan - 3 Years
Ability to make extra repayments during the fixed term and access the money through redraw.
4.29% 5.18% $600 $8 monthly ($96 p.a.) 95% More info
Heritage Bank Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupier)
Enjoy a fixed rate for three years along with additional features.
3.99% 4.87% $600 $5 monthly ($60 p.a.) 95% More info
AMP SuperEdge Loan - 3 Year Fixed Rate
Enjoy a 3 years fixed rate with AMP SuperEdge Loan to borrow and purchase investment property through your SMSF.
5.29% 5.75% $0 $10 monthly ($120 p.a.) 70% More info
Rates last updated December 9th, 2016
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Greater Bank Great Rate Home Loan - Discounted 5 Year Fixed ($150K+ Owner Occupier)
A low fee fixed rate home loan with a redraw facility. NSW, QLD and ACT residents only.
4.19% 4.25% $0 $0 p.a. 85% Go to site More info
UBank UHomeLoan - 5 Year Fixed Rate (Owner Occupier)
An online only home loan with a great 5 year fixed rate. Available for refinance and purchases.
4.27% 4.18% $395 $0 p.a. 80% Go to site More info
IMB Fixed Rate Home Loan - 5 Year Fixed (LVR < 90% Owner Occupier)
Borrow up to 90% of your home’s value and lock in your rate for 5 years.
4.39% 4.67% $445 $6 monthly ($72 p.a.) 90% Go to site More info
Switzer Fixed Rate Home Loans - 5 Years Fixed Rate
Fix a rate for 5 years and pay no application or settlement fees.
4.77% 4.31% $0 $0 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 5 Year Fixed ($150K+ Investor)
A discounted 5 years fixed rate with a redraw facility and no application fee.
4.09% 4.55% $0 $375 p.a. 85% Go to site More info
NAB Choice Package Home Loan - 5 Year Fixed (Owner Occupier)
A competitive loan with flexible features. 250,000 Velocity Frequent Flyer point offer, conditions apply.
4.59% 5.02% $0 $395 p.a. 95% Go to site More info
NAB Tailored Fixed Rate Home Loan - 5 Year Fixed (Owner Occupier)
Enjoy an interest only payment option for up to 5 years. 250,000 Velocity Frequent Flyer point offer, conditions apply.
4.69% 5.15% $600 $8 monthly ($96 p.a.) 95% Go to site More info
ANZ Fixed Rate Home Loan - 5 Year Fixed (Owner Occupier)
Borrow up to 80% of your home loan value.
4.74% 5.12% $600 $10 monthly ($120 p.a.) 95% More info
Commonwealth Bank Fixed Rate Home - 5 Year Fixed Rate (Owner Occupier)
A fixed home loan rate from Commonwealth Bank.
4.74% 4.16% $600 $8 monthly ($96 p.a.) 90% More info
St.George Fixed Rate Home Loan - 5 Year Fixed Rate (Owner Occupier)
Enjoy a 5 years fixed rate with great features such as rate lock, a partial interest offset facility, repayment pause and more!
4.54% 5.17% $600 $10 monthly ($120 p.a.) 95% More info
eMoney PRIME Full Doc Fixed Home Loan - 5 Years
Plan your budget with eMoney PRIME Full Doc Fixed Home Loan - 5 Years.
4.37% 4.54% $0 $0 p.a. 95% More info
Citibank Fixed Rate Loan - 5 Year Fixed Rate (Owner Occupier)
A competitive fixed interest rate, borrow from a mininum of $50K to $4M.
4.39% 4.77% $399 $8 monthly ($96 p.a.) 90% More info
BankVic Premium Package Fixed Home Loan - 5 Years
Have the ease of budgeting with BankVic Premium Package Fixed Home Loan - 5 Years.
4.44% 4.60% $0 $375 p.a. 95% More info
Bankwest Fixed Rate Home Loan - 5 Year Fixed Rate (Owner Occupiers)
Lock in your rate for 5 years with the ability to make additional repayments up to $10,000 per year.
4.49% 5.06% $295 $12 monthly ($144 p.a.) 90% More info
Westpac Fixed Options Home Loan Premier Advantage Package - 5 Years
A competitive interest rate with a host of other discounts on Westpac products.
4.39% 4.97% $0 $395 p.a. 95% More info
Austral Mortgage AdvantagePlus Fixed - 5 Years
Enjoy a 5 years fixed rate home loan with $0 ongoing fee.
4.93% 5.07% $330 $0 p.a. 95% More info
St.George Fixed Super Fund Home Loan - 5 Year Fixed Rate
A super fund home loan with low monthly fee, partial offset account and borrow up to 70% LVR.
5.39% 5.75% $1,500 $12 monthly ($144 p.a.) 70% More info
5.59% 5.84% $0 $10 monthly ($120 p.a.) 70% More info
Commonwealth Bank Wealth Package Fixed Home Loan - 5 Year Fixed (Owner Occupier)
A competitive interest rate with a range of repayment choices.
4.59% 5.07% $0 $395 p.a. 95% More info

What is a fixed one year mortgage?

LoanappAs the name suggests, a one year fixed rate home loan is a mortgage that has a rate that does not change for a year. This is different from a variable home loan where the rate can change each month as the Reserve Bank of Australia revises ongoing market rates and economic factors change. A fixed interest rate will help you keep your repayments constant, making it easier to organise your repayments. A fixed rate can also protect you from rising interest rates within the year, which would end up making your mortgage repayments higher.

Although a fixed home loan can help you save money if interest rates rise, you should consider if it’s the right type of loan for you before signing the paperwork. This is because such a loan usually has very high break costs if you exit early, and you will most likely not be allowed to make unlimited additional payments.

How does a mortgage fixed for one year work?

A one year fixed rate home loan is basically just a normal home loan with a rate which doesn’t fluctuate for 12 months. Fixed loans come with fewer features, which could mean that you may not have the option to make unlimited repayments or get an offset account. This usually means that you’ll have a cap on how much extra you can repay each year, and there are exit fees if you decide to get out of the mortgage before the one year period runs out.

If you are looking for the certainty of knowing how much interest you will pay and are keen to plan your mortgage repayments in advance, a one year fixed rate home loan might suit you. You can also get this type of loan if you are a first home buyer and are looking to keep repayments down and predictable. The flipside to such a loan is that you will not benefit if interest rates come down during the fixed rate period.

What are the types of one year fixed rate home loans available?

Choosing the right type of home loan can make owning a home much easier and ensure that you adjust your mortgage spending to fit your current financial situation. Here are the different types of home loans available to you:

  • Bad credit home loans. If you’re having trouble accessing a home loan from a bank due to bad credit, you should consider getting a bad credit home loan from other lenders who are lenient when it comes to credit scores and mortgage eligibility requirements.
  • Basic home loans. One year fixed home loans fall under this category, as they usually have few features such as no additional payment options and no redraw facility or offset account. This usually means they also have lower fees.
  • Full featured home loans. These are home loans with features such as a redraw facility and 100% offset account. Most will allow additional repayments. The types of features you get on such a loan will depend on the specific lender you choose and the features you prefer.
  • Package home loans. These loans come with a package deal, where you get other services from your lender to entice you to take up their mortgage facility, for example a bank account and credit card.
  • Low doc home loans. Investors and those who are self-employed can get this type of loan, as there are no requirements to supply payslips and other documents that prove your source of income.

How to compare one year fixed rate home loans

The decision to take up a one year fixed home loan should be determined by your finances, lifestyle and how you plan to handle your mortgage repayments. For instance, if you want to purchase property and then sell it within a year, such a loan would not suit you as the exit fees would be high if you had to get out of your loan before the term ended. Locking the interest rate on your mortgage can make it more affordable, so here are some features you can look at when comparing fixed rate mortgages from different banks and other lenders:

Fees

Home loans fixed for a year will usually have normal mortgage fees such as establishment and legal fees, and they may also carry penalty charges for exiting the loan or making additional payments. Check the fees on different fixed rate loans to ensure you get one with reasonable fees and fewer penalties.

Loan features

It's best to pick a home loan with the features that you want depending on your finance. This may include extra repayments, a redraw facility or cash incentives. If you are looking to cut down on costs, choosing a home loan with fewer features might be better, as the fees on such loans would be lower.

Fixed and revert rate

Shop around for a fixed home loan with a competitive rate, and be sure to ask about the revert rate that will apply on the mortgage after the fixed period expires so that you are not caught off-guard by higher rates later on.

Pros and cons of a home loan fixed for a year

Pros

  • Relatively short fixed term. With a home loan fixed for one year, you do not have to worry too much about interest rates falling as the fixed term will expire after 1 year which will allow you to take advantage of a low interest-rate environment if need be.
  • Easy to manage. These loans usually have no additional payments or redraw facilities, which means that you will not have to think about doing many things during the fixed period. In addition, repayments do not change, meaning that you get more control over how much you pay and are therefore able to plan in advance.
  • Stability. Having a fixed rate mortgage gives you more stability than variable rate loans. Should the RBA raise interest rates, you will not have to worry about paying more and you could even end up paying less on your mortgage than on a variable rate loan.

Cons

  • High exit fees. You will be charged a hefty exit fee should you opt out of the loan during the fixed rate term.
  • Less features. These loans do not have many features, and they may not allow you to make any additional payments or redraw the funds you have.

Things to avoid about one year fixed mortgages

The biggest pitfall with any fixed rate home loan is to fix at the wrong time, meaning that you may be stuck with higher interest rates while rates go down. Before fixing your home loan, check our RBA page for predictions of how interest rates are likely to change and talk to a mortgage broker also. Exiting a fixed rate home loan can also be a problem due to the high exit fees they carry, so you should be sure that that type of mortgage is suited to you before signing up for it.

FAQ about one year fixed home loans

How do I know it’s a good time to fix?

You should check for predictions of interest rates from experts including financial planners and mortgage brokers and fix if you think rates are likely to go up. You should also be comfortable with keeping your property for the entire fixed period to avoid high exit fees. Consider what you would do if rates were to drop by up to 1% during the fixed term and ensure you’d be comfortable keeping your home loan.

What is a split rate solution?

This allows you to split the interest repayments on your home loan, allowing for one portion to be fixed and the other variable. This way you get some of the benefits of each.

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This page was last modified on 16 November 2016 at 11:46.

HSBC Home Value Loan - Resident Owner Occupier only

Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.

ME Bank Basic Home Loan - LVR <=80% Owner Occupier

A low variable rate loan with no application or ongoing fees.

NAB Choice Package Home Loan - 3 Year Fixed (Owner Occupier)

Receive discounts on interest rates with the Choice Package. 250,000 Velocity Frequent Flyer point offer, conditions apply.

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