Fixed Rate Home Loan
Secure a low rate and enjoy the certainty of repayments, with our owner occupied Fixed-Rate home loan.
Enquire now online, and one of our local home loan specialists will contact you to discuss your specific needs.
Key benefits
Low fixed interest rate
Great value with our competitive fixed interest rates
No annual fee
Save with no ongoing annual fees
Pay extra
$25,000 during fixed period
Fix for up to five years
Know what your repayments will be for the fixed term
Find out what your property is worth with a free online property report
All Owner Occupied Principal & Interest Fixed Rates
| Products | Interest Rate | Comparison Rate |
|---|---|---|
| Fixed Rate: 1 year | 5.99% | 6.27% |
| Fixed Rate: 2 year | 5.94% | 6.23% |
| Fixed Rate: 3 years | 5.89% | 6.18% |
| Fixed Rate: 4 years | 5.99% | 6.19% |
| Fixed Rate: 5 years | 5.99% | 6.17% |
Fixed rate loans will revert to the applicable variable rate at the end of the fixed rate period. View all loan interest rates.
Loan details
| Additional payments allowed during fixed period | $25,000 |
| Maximum term | 30 years |
| Minimum loan | $20,000 |
| Redraw available | |
| Maximum Loan to Value Ratio (subject to credit policy) | 95% |
| 100% offset account | |
| Principal and interest | |
| Interest only available at different interest rates |
| Establishment fee | $0.00 |
| Annual fee | $0.00 |
| Rate lock-in fee | $650 |
| Break cost fee | The break cost fee may apply if the Fixed Rate Home Loan is paid out any time prior to the term of the fixed rate period. |
Loan Repayments
Important information
Credit products issued by Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change.
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
WARNING: This comparison rate applies only to the example or examples 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 the comparison rate but may influence the cost of the loan.
Home loan rate after fixed period reverts to the Variable Home Loan rate (currently 6.29% p.a.).
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