Fixed Rate Home Loan

Get a low fixed home loan rate for terms of one to five years. A fixed rate home loan is a great option if you'd prefer to lock in your home loan repayments and stay on top of your budgeting.

Features and benefits of our fixed rate home loan

Competitive fixed interest rates
No monthly service fees
Split your loan to hedge against interest rate uncertainty
Dedicated Relationship Manager
2 Year Fixed
(Owner Occupier, Principal & Interest)
3.99%p.a
2 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.04%p.a2

Product Details

Borrowers
Owner Occupier, Investor
Interest Rate Type
Fixed
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
No
Redraw
No
100% Offset Accounts
No
Split Loans Allowed
Yes
Minimum Amount
$500
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
20%
Minimum Deposit
(with Lenders Mortgage Insurance)
5%
Interest Only Payments Available
Yes, up to 5 years4
Discounted Interest Rate on Your Choice Visa Credit Card
3% discount
Access Fee on Transaction and Savings Accounts
Waived5
Annual Fee
None
Approval Fee
None
Documentation Fee
$250
Valuation Fees
At cost
Top Up Fee
$195
Restructure Fee
$200
Monthly Service Fee
None
Break Costs for Early Payout
May apply
Access Fee on Transaction & Savings Accounts
Yes3
1 Year Fixed
(Owner Occupier, Principal & Interest)
3.99%p.a
1 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.13%p.a2
2 Year Fixed
(Owner Occupier, Principal & Interest)
3.99%p.a
2 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.04%p.a2
3 Year Fixed
(Owner Occupier, Principal & Interest)
4.09%p.a
3 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
4.97%p.a2
5 Year Fixed
(Owner Occupier, Principal & Interest)
4.69%p.a
5 Year Fixed
(Owner Occupier, Principal & Interest) - Comparison Rate
5.04%p.a2
Other Rates
Please see our Interest Rates page for details of Investor and Interest Only rates

Have a question or want to get started?

Apply for home loan online

Get started now by applying online for your home loan. It's quick, convenient, secure and available 24/7.

Need help choosing a loan?

Get in touch with a Home Loan Specialist for advice. We're here to help from application to settlement.

Call us

We're available on 132 067 if you would like to apply over the phone or have a question.

Disclaimer

Interest rates are on a per annum basis and are current as at 01/06/18 and are subject to change.

1 Terms and conditions apply. Regional Australia Bank reserves the right to determine eligibility for this service.

2 WARNING: This comparison rate is based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

3 No monthly Access Fee where the minimum monthly membership balance exceeds $5,000.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.