Looking to fix up to 50% of your loan? Check out these great rates...
1 year fixed - 6.12% Comparison rate*: 6.55% p.a.
2 year fixed - 6.05% Comparison rate*: 6.52% p.a.
3 year fixed - 6.11% Comparison rate*: 6.52% p.a.
4 year fixed - 6.36% Comparison rate*: 6.61% p.a.
5 year fixed - 6.46% Comparison rate*: 6.55% p.a.
Looking to fix more than 50% of your loan? Try these rates for size...
1 year fixed - 6.27% Comparison rate*: 6.56% p.a.
2 year fixed - 6.20% Comparison rate*: 6.55% p.a.
3 year fixed - 6.26% Comparison rate*: 6.57% p.a.
4 year fixed - 6.51% Comparison rate*: 6.66% p.a.
5 year fixed - 6.61% Comparison rate*: 6.62% p.a.
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USEFUL FEATURES
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| Owner occupied & investment | Yes |
| P&I or Interest-only | Yes |
| Max LVR for purchases |
95% including LMI |
| Max LVR for refinances | 95% including LMI |
| Max LVR for refinances and debt consolidation | 90% plus LMI |
| Max Term | 30 years |
| Min loan size | $150,000 |
| Max loan size | $1 million (higher as an exception) |
| First home buyers | Yes |
| Capitalise mortgage insurance if payable? | Yes |
| Payment frequency | M, F or W |
| Split Loans | Up to 4 splits free |
| Free redraw | Not on any fixed split portion |
| Free salary crediting | Not available on fixed portion |
| Free 100% interest offsetting | Not available on fixed portion |
| Free online loan account | Unlimited access |
| Free phone loan account | Unlimited access |
| ATM/EFTPOS/BPAY® | Yes |
| Post Settlement Increases (Top Ups) | Yes (fees & conditions apply) |
| Can split with variable portion |
Yes |
| Construction loan | No |
| Rate Lock | Yes |
| FEES | |
| Application fee | Nil |
| Monthly ongoing fee | Nil |
| Annual fee |
$345 |
| Legal fee (deducted from loan) | Nil |
| Valuation fee for first security property |
Nil |
| Settlement fee (deducted from loan) | Nil |
| Lenders mortgage insurance processing fee |
$499 (only for loans requiring mortgage insurance) |
| Title Discharge fee | $300 plus legal fee |
| Early exit fee | Nil |
| Fixed Rate Break Costs*** | See below for further details. |
*Rates as at 6 January 2012. Available for new loans only. This comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in teh comparison rate but may influence the cost of the loan.
*** Fixed Rate Break Costs may apply. The cost will depend on the term of the loan, the amount outstanding and the amount the market rates have moved since the start of the fixed rate period.
