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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.

5.99% p.a.

2 year fixed rate

6.21% p.a.

Comparison rate

Key benefits

Low fixed interest rate

Low fixed interest rate

Great value with our competitive fixed interest rates

No annual fee

No annual fee

Save with no ongoing annual fees

Lock in your rate

Pay extra

$25,000 during fixed period

Flexible loan term options

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

ProductsInterest RateComparison Rate
Fixed Rate: 1 year6.49%6.28%
Fixed Rate: 2 year5.99%6.21%
Fixed Rate: 3 years6.29%6.27%
Fixed Rate: 4 years6.49%6.35%
Fixed Rate: 5 years6.49%6.37%

Fixed rate loans will revert to the applicable variable rate at the end of the fixed rate period. View all loan interest rates.

Award-winning home loans

While it's not all about the accolades, our home loans have been recognised with multiple awards for having flexible features, competitive rates, and quick approvals.

Have a look at our trophy case

Mozo Experts Choice Award 2023/2024 - Fixed Rate Home Loan winner
Finder Awards 2024 - Owner Occupier Home Loan - 1 Year Fixed
Finder Awards 2024 - Owner Occupied Home Loan Highly Commended Refinance Fixed

Loan details

Additional payments allowed during fixed period$25,000
Maximum term30 years
Minimum loan$20,000
Redraw available
Maximum Loan to Value Ratio (subject to credit policy) 95%
Principal and interest
Interest only available at different interest rates
Interest rate5.99% p.a.,
Comparison rate6.21% p.a.
Establishment fee$0.00
Annual fee$0.00
Rate lock-in fee $650
Break cost feeThe 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 6.23% p.a.).

Download Credit Guide

Create a Home Loan Key Facts Sheet

View LMI Information Fact Sheet

Download Early Repayment Adjustment Fact Sheet