Own home loan - fixed

Know what your repayments will be by locking in a fixed term.

Rates starting from 2.15% p.a. for a 2-year fixed loan, owner occupied, principal and interest (2.64% p.a. comparison rate1).



Australian Mortgage Awards 2020 Fintech Lender of the Year

Rate lock for 90 daysFrom when you submit the application.

RedrawAccess your additional payments if you need them.

Make additional paymentsUp to $20,000 per fixed rate term

Our interest rates

Living in the property


Paying principal and interest

Term Interest rate (p.a.) Comparison rate (p.a.)1
1 year fixed 2.15% 2.66%
2 year fixed 2.15% 2.64%
3 year fixed 2.15% 2.62%
5 year fixed 2.37% 2.67%


Paying interest only

Term Interest rate (p.a.) Comparison rate (p.a.)1
1 year fixed 2.94% 2.72%
2 year fixed 2.94% 2.75%
3 year fixed 2.94% 2.79%
5 year fixed 3.04% 2.88%

Want the best of both? Split with Own variable

Split our Own fixed loan with our Own variable loan to get the benefit of rate certainty, plus the flexibility of offset.

Investment properties

Paying principal and interest

Term Interest rate (p.a.) Comparison rate (p.a.)1
1 year fixed 2.39% 2.86%
2 year fixed 2.39% 2.84%
3 year fixed 2.39% 2.82%
5 year fixed 2.84% 2.97%


Paying interest only

Term Interest rate (p.a.) Comparison rate (p.a.)1
1 year fixed 2.59% 2.87%
2 year fixed 2.59% 2.86%
3 year fixed 2.59% 2.85%
5 year fixed 3.04% 3.01%

Need multiple loans?

Include up to 5 Own home loan accounts in the one annual fee.

Key fees

Loan advance fee
To prepare loan documents and to arrange settlement of the loan
$250
Valuation fee
To cover the valuation of your property
Free if valuation is under $300
If the valuation is over $300, we'll cover the first $300 
Rate lock fee (optional)
To lock in the annual percentage rate for 90 days from the application date. Fixed rate loans only.
$500
Annual fee
To manage the account and process any requested variations to the loan
$250 per year (after year 1)
Covers up to 5 Own home loans

Ready to apply or need help? Talk to us today.

*Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.

1 Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Where the loan reverts to a variable rate after the fixed period, the comparison rate is based on an LVR of equal to or less than 60%.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees, terms and conditions apply. All applications for credit are subject to 86 400 credit approval criteria.

Credit criteria, fees and charges apply. Based on 86 400’s credit criteria, residential lending is not available for non-Australian resident borrowers. This information has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent advice on any taxation matters.