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Fixed Rate Home Loan Owner Occupied

A great rate with loads of features

Find the property you love and we'll make sure that you get a more generous home loan deal.

3 Year Fixed 5.48 % pa Interest rate 6.10 % pa Comparison rate

Can't decide between a variable or fixed home loan?

You might consider splitting your home loan into part fixed, part variable rate so you can access both certainty and flexibility, in a ratio that works for you. Call us on 13 61 91 or fill the enquiry form below to speak with one of our mortgage specialists for more information about a split home loan for you to decide whether this may be suitable for you.

Product Features:

Fixed Rate Home Loan
Rate lock : Available for a fee*
Redraw facility : Yes
Offset account : No
Additional repayments accepted : Yes
Minimum loan amount : $20,000
Maximum Loan to Valuation Ratio (LVR) : 80%
Maximum Loan to Valuation Ratio (LVR) with lender's mortgage insurance : 95%
Maximum Loan to Valuation Ratio (LVR) Land only : 70%
Level repayments : No
Enable interest capitalisation option : No
Fees
Annual fee : $0
Monthly fee : $0
Redraw fee : $0
Establishment fee : $250
Valuation fees included within establishment fee : No
Fixed rate loan break fee : Yes
Term Interest Rate Comparison Rate
1 Year 1 Year Fixed 5.98% pa 6.29% pa
2 Year 2 Year Fixed 5.63% pa 6.19% pa
3 Year 3 Year Fixed 5.48% pa 6.10% pa
5 Year 5 Year Fixed 5.63% pa 6.05% pa

View our range of Home Loan products

View our range of Calculators

View our range of Loan interest rates

Request a Home Loan Key Facts Sheet

Rate Lock Facts Sheet

View the Target Market Determination for this product

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How to apply

Apply Online

Ready to apply or you simply want a conditional pre-approval? Get started online in under 10 minutes.

Phone

A home loan specialist will answer all your questions and help move your application along.

Mobile Banker

Our Mobile Bankers located in NSW can come to visit you at home, at work or wherever else is convenient for you.

Guides for home buying

Why choose Australian Mutual Bank?

  • 100% Customer owned

    On becoming a member of our bank, you're not just a customer, you're an owner!

  • Ethical banking

    The benefit of our members, society, and the planet drives everything we do

  • Friendly service

    Our number one goal is to give you the best overall banking experience we can

  • Safe and secure

    Eligible deposits are protected by the Financial Claims Scheme

Footnotes:

  • 1 At the end of the fixed period the rate reverts to the Owner Occupied Standard Variable rate.
  • 2 This comparison rate is based on a $150,000 loan over a term of 25 years. WARNING: This comparison rate is 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. All loan applications are subject to Australian Mutual Bank Ltd normal lending criteria. Fees and charges, terms and conditions apply.
  • 3 You must be at least one month's repayment in advance to obtain a redraw.
  • 4 Advanced payments allowable up to $20,000 during the fixed period.
  • 5 Does not include Lender's Mortgage Insurance, 3rd party and government fees such as registration fees, stamp duty, etc.
  • 6 A break cost fee applies to fixed rate loans, please refer to our Fees & Charges and Transaction Limits Schedule for further details.

7. Family Support is available for borrowers, especially first home buyers with no deposit, who have an immediate family member that is willing and able to offer security, e.g. their own property, as Guarantor on the loan to secure a portion of the loan. The Guarantor's financial position should be such that they are able to meet their obligations under the guarantee. Non-Resident guarantors are not eligible.

*A rate lock is an extra option that allows fixed rate home loan applicants the ability to lock in the advertised fixed rate for a period of 90 days. Click here to learn more about the rate lock option.

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Australian Mutual Bank acknowledges the Traditional Owners and Custodians of the land where our office is located in Surry Hills, Sydney as the Gadigal people of the Eora Nation. We further acknowledge the Traditional Owners and Custodians of Country from where our members and employees reside.

We extend our deep respect to Elders, past and present, and emerging Community leaders for their continued connections and reciprocal relationships that protect and care for Country for a sustainable future.

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Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review Australian Mutual Bank Ltd Account and Access Facility Conditions of Use and Financial Services Guide before acquiring the product.

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