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Fixed Rate Home Loan

Enjoy the peace of mind of a Fixed Rate Home Loan

Current Offers

Rates are available with Home Package Plus

Owner-occupied Rates

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Discounted 3 Year Fixed Rate in Home Package Plus
New-to-bank lending >= $150,000
Maximum LVR 90% (incl. LMI)

 

Investor Rates

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Discounted 3 Year Fixed Rate in Home Package Plus
New to bank lending >= $150,000
Maximum LVR 90% (incl. LMI)

Why choose a Fixed Rate Home Loan

Our Fixed Rate Home Loans provide the certainty of fixed repayments over a set term.

Key features

  • Fixed interest rate and repayments
  • At expiry of the fixed term, the loan will automatically revert to the Standard Variable rate
  • Option to refix the interest rate at expiry of initial fixed term for a further fixed period at current prevailing fixed rates
  • Option to lock in a rate at the time of application
  • Statements are issued every 6 months

With options to suit your needs now

  • Suitable for personal or investment purposes
  • Choice of fixed terms from 1,2, 3, or 5 year fixed terms
  • Principal and Interest or Interest Only repayment options
  • Loan terms from 8 to 30 years
  • Monthly repayments on fixed loans are recommended. A choice of weekly or fortnightly repayments are available but may result in an Early Payment Interest Adjustment (EPIA). Find out more about EPIA

Getting the most from a Fixed Rate Home Loan

  • Make additional repayments of up to $500 per month without penalty (find out more about EPIA)
  • Split your loan across fixed and variable rates
  • Include in our Home Package Plus for more savings & benefits

Compare all Home Loans

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^ Advertised rate valid from 18 October 2016, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rates available for new owner-occupied loans of at least $150,000 where borrowings are less than 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance. Rate includes a Package Fixed Discount of 0.35% p.a. applied to the Bank’s Standard 3 Year Fixed Rate for personal purpose / owner-occupied lending (currently 3.99% p.a.). At expiry of the Fixed Rate period, the rate will revert to the then Standard Variable Rate (currently 5.40% p.a.) less the Home Package Plus Variable Discount (currently 1.45% p.a.) available at the time you entered into the Package. The standard Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. New loans only, pre-approvals and investment lending excluded.

^^ Advertised rate valid from 25 November 2016, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for new investment loans of at least $150,000 where borrowings are less than 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance. Rate includes a Package Fixed Discount of 0.15% p.a. applied to the Bank’s Standard 3 Year Fixed Rate for investment lending (currently 4.24% p.a.). At expiry of the Fixed Rate period, the rate will revert to the then Standard Variable Rate (currently 5.72% p.a.) less the Home Package Plus Variable Discount available at the time you entered into the Package (currently 1.63% p.a.). The standard Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. New loans only, pre-approvals and owner-occupied lending excluded.

#Each comparison rate is based on $150,000 over 25 years. WARNING: These comparison rates apply 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.

The Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. After the Fixed Rate period expires, rate will revert to the then Standard Variable Rate.

Loans are issued by Suncorp-Metway Ltd ABN 66 010 831 722 Australian Credit Licence number 229882 ("Suncorp Bank"). To approved applicants only. Fees, charges, terms and conditions apply and are available on request.

Split your loan across fixed and variable rates

You can choose to split your loan and keep a portion of your borrowings at a variable interest rate, allowing you the option to make additional repayments in excess of $500 without penalty /redraw on the variable component

Option to lock in a rate at the time of application

As Fixed Rates are determined at settlement of your loan, our Guaranteed Rate Fee removes this uncertainty by fixing the rate at application for up to 90 days to protect you from unforeseen increases before loan settlement

Principal + Interest or Interest-only repayment options

Interest only repayments subject to credit approval

Fixed Rate

Lock in your interest rate and repayment amount

Variable Rate

A rate that is variable and is subject to change over the loan term.

Comparison Rate

A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product.