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MOVE Bank Lockit Home Loan

MOVE Bank's fixed rate home loan product has competitive rates for investors and owner-occupiers. It includes a 100% offset account.

Take advantage of an offset account and the ability to make up to $10,000 in extra repayments with this fixed rate mortgage.

Interest Rate Max Insured LVR Max LVR
3 Year Fixed Ultra Low (Owner Occupier) Limited time offer
2.49% p.a.
Comparison Rate
3.39% p.a.
95% 80%
5 Year Fixed Rate (Owner Occupier)
3.79% p.a.
Comparison Rate
3.74% p.a.
95% 80%
1 Year Fixed (Investor)
3.19% p.a.
Comparison Rate
4.59% p.a.
90% 80%
3 Year Fixed (Investor)
3.39% p.a.
Comparison Rate
4.39% p.a.
90% 80%
Product NameMOVE Bank Lockit Home Loan
Interest Rate TypeVariable or Fixed
Comp Rate^ (p.a.)
Minimum Loan Amount$100,000
Maximum Loan Amount$3,000,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityNo
Suitable for InvestmentYes
Extra RepaymentYes
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$450
Ongoing Fees$0 p.a.
Discharge Fee$150


  • 100% offset account
  • Extra repayments


  • There is a $450 application fee
  • There is a $150 discharge fee

What do I need to know about this loan?

This loan has a fixed interest rate and a maximum insured LVR of 95%. It offers different fixed rates for investors and home buyers. Unlike most fixed rate loans, it only has one, three and five year options.

What are the features and benefits of the MOVE Bank Lockit Home Loan?

  • Loan purpose. Owner-occupiers and investors are eligible for this loan.
  • Loan amount. You can borrow up to $3,000,000 with this loan.
  • Extra repayments. Unlike many fixed rate loans, this mortgage lets you make extra repayments up to $10,000 a year.
  • Offset account. This mortgage comes with a 100% offset account which you can use to minimise your interest repayments.

What fees and charges come with this loan?

The MOVE Bank Lockit Home Loan comes with the following fees.

  • Establishment fee: $450. You pay this fee upon application.
  • Discharge fee: $150. You pay the discharge fee when you end the loan, whether repaying it or by refinancing to another lender.
  • Switching fee: $150. This fee will only apply if you switch from one MOVE Bank mortgage to another.

How do I apply for this loan?

We don't currently have a partnership with MOVE Bank. If you want more information about this mortgage, you can check the lender's website. You can also compare a wide selection of current home loan offers or speak to a mortgage broker to help you find a suitable loan.

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MOVE Bank Lockit Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $450 / $0

  • Max LVR


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