Our Fixed Rate Home Loan provides the best of both worlds. Choose a low, fixed interest rate for the first one to five years, then revert to our Basics Home Loan interest rate for the rest of your loan. Protects you from ongoing interest rate rises, while giving you the added security of consistent repayments during the first phase of your loan.
Standard Features
- Minimum amount $50,000
- Maximum amount is 95% of the value of the property
- Loan Mortgage insurance (LMI) is required if amount borrowed is more than 80% of the value of the property
Key Features
- Fixed interest rate for the first 1 to 5 years
- Weekly, fortnightly or monthly repayments
- Automatic repayments
- Loan portability available
Is this loan right for you?
If you have a fixed income, or on a fixed budget, and want the certainty of having absolutely fixed mortgage repayments for a period of time, then this may be the loan for you.
Our Fixed Rate Home Loan gives you the peace of mind of fixed repayments during the early part of your loan (up to five years). You can apply to extend the fixed-rate period of your loan, or revert to our Basics Home Loan interest rate for the remainder of your loan.
| Owner-occupiers | Interest Rate | Comparison Rate |
|---|---|---|
| 1 Year Fixed Rate | 4.15% p.a. | 5.49% p.a. |
| 2 Year Fixed Rate | 3.99% p.a. | 5.33% p.a. |
| 3 Year Fixed Rate | 4.14% p.a. | 5.24% p.a. |
| 4 Year Fixed Rate | 4.51% p.a. | 5.25% p.a. |
| 5 Year Fixed Rate | 4.65% p.a. | 5.24% p.a. |
| Investors | Interest Rate | Comparison Rate |
|---|---|---|
| 1 Year Fixed Rate | 4.45% p.a. | 5.52% p.a. |
| 2 Year fixed Rate | 4.29% p.a. | 5.39% p.a. |
| 3 Year Fixed Rate | 4.44% p.a. | 5.32% p.a. |
| 4 Year Fixed Rate | 4.81% p.a. | 5.36% p.a. |
| 5 Year Fixed Rate | 4.95% p.a. | 5.36% p.a. |
Warning: Different amounts and terms will result in different Comparison Rates (download schedule). 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.
This calculator provides the approximate repayment amount required on a monthly, fortnightly or weekly basis. Simply enter a loan amount, a loan term and an annual interest rate and press the 'Calculate' button.
This calculator provides the approximate years and months it will take to repay a loan. Simply enter a loan amount, a regular repayment and an annual interest rate and press the 'Calculate' button.
Provides an approximate loan amount based on a regular repayment. Simply enter a regular repayment amount, an annual interest rate and a loan term and press the 'Calculate' button.
All applications for loans are subject to Arab Bank Australia Limited's normal credit approval criteria. Terms and Conditions apply. Fees and Charges apply. To the extent that any material on this page could be construed as general advice, it has been prepared without taking account of your objectives, financial situation or needs. Because of this, before acting on any advice, you should consider its appropriateness, having regard to your objectives, financial situation and needs.