Home loans Rates, calculators and tools

Fixed home loan rates

Current as at 20 May 2013.

Fixed Options Home Loan

Annual interest rate
LoanAnnual rateComparison rate 2
Fixed Options (fixed for 1 year)5.44% p.a.6.31% p.a. (i)
Show comparison rates
Fixed Options Home Loan - fixed interest for 1 year
Amount of loanTermAnnual interest rateComparison rate
$15,0004 yearsSee Note 19.79% p.a.
$20,0004 yearsSee Note 18.81% p.a.
$25,0005 yearsSee Note 17.95% p.a.
$30,0005 yearsSee Note 17.62% p.a.
$50,0007 yearsSee Note 16.83% p.a.
$70,00025 yearsSee Note 16.46% p.a.
$100,00025 yearsSee Note 16.37% p.a.
$130,00025 yearsSee Note 16.33% p.a.
$150,00025 yearsSee Note 16.31% p.a.
$200,00025 yearsSee Note 16.28% p.a.
$225,00025 yearsSee Note 16.26% p.a.
$250,00025 yearsSee Note 16.26% p.a.
$275,00030 yearsSee Note 16.25% p.a.
$300,00030 yearsSee Note 16.25% p.a.

Note 1: For the fixed rate period of the loan, the interest rate will be 5.44% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rate
LoanAnnual rateComparison rate 2
Fixed Options (fixed for 2 years)5.49% p.a.6.24% p.a. (i)
Show comparison rates
Fixed Options Home Loan - fixed interest for 2 years
Amount of loanTermAnnual interest rateComparison rate
$15,0004 yearsSee Note 29.58% p.a.
$20,0004 yearsSee Note 28.60% p.a.
$25,0005 yearsSee Note 27.75% p.a.
$30,0005 yearsSee Note 27.42% p.a.
$50,0007 yearsSee Note 26.67% p.a.
$70,00025 yearsSee Note 26.39% p.a.
$100,00025 yearsSee Note 26.31% p.a.
$130,00025 yearsSee Note 26.26% p.a.
$150,00025 yearsSee Note 26.24% p.a.
$200,00025 yearsSee Note 26.21% p.a.
$225,00025 yearsSee Note 26.20% p.a.
$250,00025 yearsSee Note 26.19% p.a.
$275,00030 yearsSee Note 26.19% p.a.
$300,00030 yearsSee Note 26.19% p.a.

Note 2: For the fixed rate period of the loan, the interest rate will be 5.49% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rate
LoanAnnual rateComparison rate 2
Fixed Options (fixed for 3 years)5.49% p.a.6.18% p.a. (i)
Show comparison rates
Fixed Options Home Loan - fixed interest for 3 years
Amount of loanTermAnnual interest rateComparison rate
$15,0004 yearsSee Note 39.45% p.a.
$20,0004 yearsSee Note 38.46% p.a.
$25,0005 yearsSee Note 37.61% p.a.
$30,0005 yearsSee Note 37.27% p.a.
$50,0007 yearsSee Note 3.6.53% p.a.
$70,00025 yearsSee Note 36.33% p.a.
$100,00025 yearsSee Note 36.24% p.a.
$130,00025 yearsSee Note 36.20% p.a.
$150,00025 yearsSee Note 36.18% p.a.
$200,00025 yearsSee Note 36.14% p.a.
$225,00025 yearsSee Note 36.13% p.a.
$250,00025 yearsSee Note 36.12% p.a.
$275,00030 yearsSee Note 36.13% p.a.
$300,00030 yearsSee Note 36.13% p.a.

Note 3: For the fixed rate period of the loan, the interest rate will be 5.49% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rate
LoanAnnual rateComparison rate 2
Fixed Options (fixed for 4 years)5.89% p.a.6.26% p.a. (i)
Show comparison rates
Fixed Options Home Loan - fixed interest for 4 years
Amount of loanTermAnnual interest rateComparison rate
$15,0004 years5.89% p.a.9.79% p.a.
$20,0004 years5.89% p.a.8.81% p.a.
$25,0005 yearsSee Note 47.90% p.a.
$30,0005 yearsSee Note 47.57% p.a.
$50,0007 yearsSee Note 46.75% p.a.
$70,00025 yearsSee Note 46.41% p.a.
$100,00025 yearsSee Note 46.32% p.a.
$130,00025 yearsSee Note 46.28% p.a.
$150,00025 yearsSee Note 46.26% p.a.
$200,00025 yearsSee Note 46.23% p.a.
$225,00025 yearsSee Note 46.21% p.a.
$250,00025 yearsSee Note 46.21% p.a.
$275,00030 yearsSee Note 46.21% p.a.
$300,00030 yearsSee Note 46.20% p.a.

Note 4: For the fixed rate period of the loan, the interest rate will be 5.89% p.a.  After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rate
LoanAnnual rateComparison rate 2
Fixed Options (fixed for 5 years)5.89% p.a.6.23% p.a. (i)
Show comparison rates
Fixed Options Home Loan - fixed interest for 5 years
Amount of loanTermAnnual interest rateComparison rate
$15,0004 years5.89% p.a.9.79% p.a.
$20,0004 years5.89% p.a.8.81% p.a.
$25,0005 years5.89% p.a.7.89% p.a.
$30,0005 years5.89% p.a.7.56% p.a.
$50,0007 yearsSee Note 56.72% p.a.
$70,00025 yearsSee Note 56.38% p.a.
$100,00025 yearsSee Note 56.30% p.a.
$130,00025 yearsSee Note 56.25% p.a.
$150,00025 yearsSee Note 56.23% p.a.
$200,00025 yearsSee Note 56.20% p.a.
$225,00025 yearsSee Note 56.19% p.a.
$250,00025 yearsSee Note 56.18% p.a.
$275,00030 yearsSee Note 56.18% p.a.
$300,00030 yearsSee Note 56.18% p.a.

Note 5: For the fixed rate period of the loan, the interest rate will be 5.89% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rate
LoanAnnual rateComparison rate 2
Fixed Options (fixed for 7 years)7.5% p.a.7.11% p.a. (i)
Show comparison rates
Fixed Options Home Loan - fixed interest for 7 years
Amount of loanTermAnnual interest rateComparison rate
$15,0004 years7.5% p.a.11.38% p.a.
$20,0004 years7.5% p.a.10.40% p.a.
$25,0005 years7.5% p.a.9.48% p.a.
$30,0005 years7.5% p.a.9.15% p.a.
$50,0007 years7.5% p.a.8.29% p.a.
$70,00025 yearsSee Note 67.27% p.a.
$100,00025 yearsSee Note 67.18% p.a.
$130,00025 yearsSee Note 67.13% p.a.
$150,00025 yearsSee Note 67.11% p.a.
$200,00025 yearsSee Note 67.08% p.a.
$225,00025 yearsSee Note 67.07% p.a.
$250,00025 yearsSee Note 67.06% p.a.
$275,00030 yearsSee Note 66.98% p.a.
$300,00030 yearsSee Note 66.98% p.a.

Note 6: For the fixed rate period of the loan, the interest rate will be 7.5% p.a.  After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rate
LoanAnnual rateComparison rate 2
Fixed Options (fixed for 10 years)7.5% p.a.7.31% p.a (i)
Show comparison rates
Fixed Options Home Loan - fixed interest for 10 years
Amount of loanTermAnnual interest rateComparison rate
$15,0004 years7.5% p.a.11.38% p.a.
$20,0004 years7.5% p.a.10.40% p.a.
$25,0005 years7.5% p.a.9.48% p.a.
$30,0005 years7.5% p.a.9.15% p.a.
$50,0007 years7.5% p.a.8.29% p.a.
$70,00025 yearsSee Note 77.46% p.a.
$100,00025 yearsSee Note 77.37% p.a.
$130,00025 yearsSee Note 77.33% p.a.
$150,00025 yearsSee Note 77.31% p.a.
$200,00025 yearsSee Note 77.27% p.a.
$225,00025 yearsSee Note 77.26% p.a.
$250,00025 yearsSee Note 77.25% p.a.
$275,00030 yearsSee Note 77.17% p.a.
$300,00030 yearsSee Note 77.16% p.a.

Note 7: For the fixed rate period of the loan, the interest rate will be 7.5% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Home loan package discount rates.

You can receive a discount of 0.2% p.a. on the fixed interest rate if you choose the Premier Advantage Package 1.

View Fixed Options Home Loan essentials.


Fixed Rate Investment Property Loan

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 1 year)5.44% p.a.6.31% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 1 year
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 yearsSee Note 19.79% p.a.
$20,0004 yearsSee Note 18.81% p.a.
$25,0005 yearsSee Note 17.95% p.a.
$30,0005 yearsSee Note 17.62% p.a.
$50,0007 yearsSee Note 16.83% p.a.
$70,00025 yearsSee Note 16.46% p.a.
$100,00025 yearsSee Note 16.37% p.a.
$130,00025 yearsSee Note 16.33% p.a.
$150,00025 yearsSee Note 16.31% p.a.
$200,00025 yearsSee Note 16.28% p.a.
$225,00025 yearsSee Note 16.26% p.a.
$250,00025 yearsSee Note 16.26% p.a.
$275,00030 yearsSee Note 16.25% p.a.
$300,00030 yearsSee Note 16.25% p.a.

Note 1: For the fixed rate period of the loan, the interest rate will be 5.44% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate2
Fixed Rate Investment (fixed for 2 years)5.49% p.a.6.24% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 2 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 yearsSee Note 29.58% p.a.
$20,0004 yearsSee Note 28.60% p.a.
$25,0005 yearsSee Note 27.75% p.a.
$30,0005 yearsSee Note 27.42% p.a.
$50,0007 yearsSee Note 26.67% p.a.
$70,00025 yearsSee Note 26.39% p.a.
$100,00025 yearsSee Note 26.31% p.a.
$130,00025 yearsSee Note 26.26% p.a.
$150,00025 yearsSee Note 26.24% p.a.
$200,00025 yearsSee Note 26.21% p.a.
$225,00025 yearsSee Note 26.20% p.a.
$250,00025 yearsSee Note 26.19% p.a.
$275,00030 yearsSee Note 26.19% p.a.
$300,00030 yearsSee Note 26.19% p.a.

Note 2: For the fixed rate period of the loan, the interest rate will be 5.49% p.a.  After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 3 years)5.49% p.a.6.18% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 3 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 yearsSee Note 39.45% p.a.
$20,0004 yearsSee Note 38.46% p.a.
$25,0005 yearsSee Note 37.61% p.a.
$30,0005 yearsSee Note 37.27% p.a.
$50,0007 yearsSee Note 36.53% p.a.
$70,00025 yearsSee Note 36.33% p.a.
$100,00025 yearsSee Note 36.24% p.a.
$130,00025 yearsSee Note 36.20% p.a.
$150,00025 yearsSee Note 36.18% p.a.
$200,00025 yearsSee Note 36.14% p.a.
$225,00025 yearsSee Note 36.13% p.a.
$250,00025 yearsSee Note 36.12% p.a.
$275,00030 yearsSee Note 36.13% p.a.
$300,00030 yearsSee Note 36.13% p.a.

Note 3: For the fixed rate period of the loan, the interest rate will be 5.49% p.a.  After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 4 years)5.89% p.a.6.26% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 4 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 years5.89% p.a.9.79% p.a.
$20,0004 years5.89% p.a.8.81% p.a.
$25,0005 yearsSee Note 47.90% p.a.
$30,0005 yearsSee Note 47.57% p.a.
$50,0007 yearsSee Note 46.75% p.a.
$70,00025 yearsSee Note 46.41% p.a.
$100,00025 yearsSee Note 46.32% p.a.
$130,00025 yearsSee Note 46.28% p.a.
$150,00025 yearsSee Note 46.26% p.a.
$200,00025 yearsSee Note 46.23% p.a.
$225,00025 yearsSee Note 46.21% p.a.
$250,00025 yearsSee Note 46.21% p.a.
$275,00030 yearsSee Note 46.21% p.a.
$300,00030 yearsSee Note 46.20% p.a.

Note 4: For the fixed rate period of the loan, the interest rate will be 5.89% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 5 years)5.89% p.a.6.23% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 5 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 years5.89% p.a.9.79% p.a.
$20,0004 years5.89% p.a.8.81% p.a.
$25,0005 years5.89% p.a.7.89% p.a.
$30,0005 years5.89% p.a.7.56% p.a.
$50,0007 yearsSee Note 56.72% p.a.
$70,00025 yearsSee Note 56.38% p.a.
$100,00025 yearsSee Note 56.30% p.a.
$130,00025 yearsSee Note 56.25% p.a.
$150,00025 yearsSee Note 56.23% p.a.
$200,00025 yearsSee Note 56.20% p.a.
$225,00025 yearsSee Note 56.19% p.a.
$250,00025 yearsSee Note 56.18% p.a.
$275,00030 yearsSee Note 56.18% p.a.
$300,00030 yearsSee Note 56.18% p.a.

Note 5: For the fixed rate period of the loan, the interest rate will be 5.89% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 6 years)7% p.a.6.77% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 6 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 years7% p.a.10.89% p.a.
$20,0004 years7% p.a.9.91% p.a.
$25,0005 years7% p.a.8.99% p.a.
$30,0005 years7% p.a.8.65% p.a.
$50,0007 yearsSee Note 67.78% p.a.
$70,00025 yearsSee Note 66.93% p.a.
$100,00025 yearsSee Note 66.84% p.a.
$130,00025 yearsSee Note 66.79% p.a.
$150,00025 yearsSee Note 66.77% p.a.
$200,00025 yearsSee Note 66.74% p.a.
$225,00025 yearsSee Note 66.73% p.a.
$250,00025 yearsSee Note 66.72% p.a.
$275,00030 yearsSee Note 66.67% p.a.
$300,00030 yearsSee Note 66.66% p.a.

Note 6: For the fixed rate period of the loan, the interest rate will be 7% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 7 years)7.5% p.a.7.11% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 7 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 years7.5% p.a.11.38% p.a.
$20,0004 years7.5% p.a.10.40% p.a.
$25,0005 years7.5% p.a.9.48% p.a.
$30,0005 years7.5% p.a.9.15% p.a.
$50,0007 years7.5% p.a.8.29% p.a.
$70,00025 yearsSee Note 77.27% p.a.
$100,00025 yearsSee Note 77.18% p.a.
$130,00025 yearsSee Note 77.13% p.a.
$150,00025 yearsSee Note 77.11% p.a.
$200,00025 yearsSee Note 77.08% p.a.
$225,00025 yearsSee Note 77.07% p.a.
$250,00025 yearsSee Note 77.06% p.a.
$275,00030 yearsSee Note 76.98% p.a.
$300,00030 yearsSee Note 76.98% p.a.

Note 7: For the fixed rate period of the loan, the interest rate will be 7.5% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 9 years)7.5% p.a.7.25% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 9 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 years7.5% p.a.11.38% p.a.
$20,0004 years7.5% p.a.10.40% p.a.
$25,0005 years7.5% p.a.9.48% p.a.
$30,0005 years7.5% p.a.9.15% p.a.
$50,0007 years7.5% p.a.8.29% p.a.
$70,00025 yearsSee Note 87.40% p.a.
$100,00025 yearsSee Note 87.32% p.a.
$130,00025 yearsSee Note 87.27% p.a.
$150,00025 yearsSee Note 87.25% p.a.
$200,00025 yearsSee Note 87.21% p.a.
$225,00025 yearsSee Note 87.20% p.a.
$250,00025 yearsSee Note 87.19% p.a.
$275,00030 yearsSee Note 87.11% p.a.
$300,00030 yearsSee Note 87.11% p.a.

Note 8: For the fixed rate period of the loan, the interest rate will be 7.5% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 10 years)7.5% p.a.7.31% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 10 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 years7.5% p.a.11.38% p.a.
$20,0004 years7.5% p.a.10.40% p.a.
$25,0005 years7.5% p.a.9.48% p.a.
$30,0005 years7.5% p.a.9.15% p.a.
$50,0007 years7.5% p.a.8.29% p.a.
$70,00025 yearsSee Note 97.46% p.a.
$100,00025 yearsSee Note 97.37% p.a.
$130,00025 yearsSee Note 97.33% p.a.
$150,00025 yearsSee Note 97.31% p.a.
$200,00025 yearsSee Note 97.27% p.a.
$225,00025 yearsSee Note 97.26% p.a.
$250,00025 yearsSee Note 97.25% p.a.
$275,00030 yearsSee Note 97.17% p.a.
$300,00030 yearsSee Note 97.16% p.a.

Note 9: For the fixed rate period of the loan, the interest rate will be 7.5% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Annual interest rates
LoanAnnual rateComparison rate 2
Fixed Rate Investment (fixed for 12 years)7.6% p.a.7.48% p.a. (i)
Show comparison rates
Fixed Rate Investment Property Loan - fixed interest for 12 years
Amount of loanTermAnnual interest rateComparison rate 2
$15,0004 years7.6% p.a.11.48% p.a.
$20,0004 years7.6% p.a.10.50% p.a.
$25,0005 years7.6% p.a.9.58% p.a.
$30,0005 years7.6% p.a.9.25% p.a.
$50,0007 years7.6% p.a.8.39% p.a.
$70,00025 yearsSee Note 107.64% p.a.
$100,00025 yearsSee Note 107.55% p.a.
$130,00025 yearsSee Note 107.50% p.a.
$150,00025 yearsSee Note 107.48% p.a.
$200,00025 yearsSee Note 107.45% p.a.
$225,00025 yearsSee Note 107.44% p.a.
$250,00025 yearsSee Note 107.43% p.a.
$275,00030 yearsSee Note 107.34% p.a.
$300,00030 yearsSee Note 107.34% p.a.

Note 10: For the fixed rate period of the loan, the interest rate will be 7.6% p.a. After the fixed rate period the interest rate will be the Rocket Variable rate currently 6.26% p.a. (subject to change).

Special rates for Interest Only in Advance apply.

Home loan package discount rates

You can receive a discount of 0.2% p.a. on the fixed rate investment home loan if you choose the Premier Advantage Package.  1

View Fixed Rate Investment Property Loan essentials.


Things you should know
  • Rates subject to change before settlement and before rate locked in. Fees and charges and normal lending criteria apply. Terms and conditions apply and are available on request.
  • 1. The discount rate applies to loans of $150,000 and above, effective 21 July 2008, and includes ‘low doc’ loans. Existing fixed loans are not eligible, unless the loan is refixed. Some exclusions apply. Discounted margin rate is subject to change.
  • 5. Warning: The 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.
  • (i). This comparison rate is based on a secured loan of $150,000 over the term of 25 years. Warning: The 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.