Fixed Rate Home Loan

6.49% p.a.

3-year Fixed Rate^{^}

6.60% p.a.

Comparison rate^*

Fixed

Terms of 2 to 5 years available

Available for new owner occupied principal and interest loans with an LVR of 60% or less and total borrowings of $300,000 or more.

Features and benefits

Our fixed rate home loan is packed with features to help you get the most out of your home loan.

Tossing up between a fixed rate or variable rate? Why not both? Enjoy the best of both worlds with the option to split your loan in to a variable and fixed portion. You’ll get the security of a low fixed rate for a portion of your loan and all the benefits and flexibility of a variable rate for the other portion. It’s win win. Find out more with our split home loan calculator.

Our Reward Me Fixed Rate Home Loan comes with a Home Loan Companion Account that we'll open for you. You can use this account to offset the interest you will pay when your fixed rate loan reverts to a variable rate loan, helping you pay off your loan sooner. Plus, the Companion Account will make it easier to make repayments and pay any fees and charges. Read more about our Home Loan Companion Account.

All of our fixed rate home loans come with the ability to make additional repayments, you can make repayments of up to $10,000 per anniversary, giving you the ability to pay off your loan sooner. Find out more with our additional repayments calculator.

Like the rate you see when you apply? With a fixed rate home loan, you can lock in an interest rate applicable as of the rate lock request date for up to 100 days, provided that you loan settles within 100 days from the request date, so that you can protect yourself from any potential rate increases. Fees and charges apply.

Ready for a new home loan? Enquire now Call us on 13 81 51

Fixed Home Loan rates and fees

Our Reward Me Fixed Rate Home Loan offers competitive Owner Occupied and Investment home loan rates.

Owner Occupied

Interest rates shown are for a Principal and Interest (up to 90% LVR) owner occupied loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed
7.79%

6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR).

6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).

6.86%

6.64%

6.63%

3 year Fixed
7.92%

6.54% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.49% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.02%

6.61%

6.60%

4 year Fixed
7.83%

6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%- 80% LVR)

6.69% special^{^}(for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.11%

6.70%

6.68%

5 year Fixed
8.10%

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.34%

6.74%

6.72%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	7.79% 6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR). 6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).	6.86% 6.64% 6.63%
3 year Fixed	7.92% 6.54% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.49% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.02% 6.61% 6.60%
4 year Fixed	7.83% 6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%- 80% LVR) 6.69% special^{^}(for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.11% 6.70% 6.68%
5 year Fixed	8.10% 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.74% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.34% 6.74% 6.72%

At the end of any fixed rate period, loans revert to the current Virgin Money Variable Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.

Interest rates shown are for a Principal and Interest (over 90% LVR) owner occupied loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 8.49% 8.92%
3 year Fixed 8.62% 8.93%
4 year Fixed 8.33% 8.79%
5 year Fixed 8.60% 8.88%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	8.49%	8.92%
3 year Fixed	8.62%	8.93%
4 year Fixed	8.33%	8.79%
5 year Fixed	8.60%	8.88%

At the end of any fixed rate period, loans revert to the applicable Virgin Money Variable Rate plus a margin of 0.50%p.a.

Interest rates shown are for a interest only owner occupied loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed 7.09% 6.71%
3 year Fixed 6.79% 6.69%
4 year Fixed 7.19% 6.86%
5 year Fixed 7.39% 7.01%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	7.09%	6.71%
3 year Fixed	6.79%	6.69%
4 year Fixed	7.19%	6.86%
5 year Fixed	7.39%	7.01%

At the end of any fixed rate period, loans revert to the current Virgin Money Variable Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.

Investment

Interest rates shown are for a Principal and Interest investment loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed
7.66%

6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).

6.95%

6.79%

6.77%

3 year Fixed
7.67%

6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.59% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.05%

6.76%

6.73%

4 year Fixed
7.73%

6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.16%

6.85%

6.81%

5 year Fixed
7.95%

6.94% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.84% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.35%

6.89%

6.85%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	7.66% 6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).	6.95% 6.79% 6.77%
3 year Fixed	7.67% 6.69% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.59% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.05% 6.76% 6.73%
4 year Fixed	7.73% 6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.16% 6.85% 6.81%
5 year Fixed	7.95% 6.94% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.84% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.35% 6.89% 6.85%

At the end of any fixed rate period, loans revert to our current Virgin Money Variable Investment Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.

Interest rates shown are for a interest only (maximum LVR 90%) investment loan with the Reward Me Fixed Rate Home Loan.

Term Rate (p.a.) Comparison Rate (p.a.)^*
2 year Fixed
8.01%

7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).

7.02%

6.84%

6.82%

3 year Fixed
7.92%

6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.13%

6.82%

6.79%

4 year Fixed
7.93%

7.09% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

6.99% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.24%

6.92%

6.88%

5 year Fixed
8.15%

7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR)

7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)

7.45%

6.98%

6.93%

Term	Rate (p.a.)	Comparison Rate (p.a.)^*
2 year Fixed	8.01% 7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR).	7.02% 6.84% 6.82%
3 year Fixed	7.92% 6.89% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.79% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.13% 6.82% 6.79%
4 year Fixed	7.93% 7.09% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 6.99% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.24% 6.92% 6.88%
5 year Fixed	8.15% 7.14% special^{^} (for new applications with total new borrowings of $300,000 or more and 60.01%-80% LVR) 7.04% special^{^} (for new applications with total new borrowings of $300,000 or more and up to 60% LVR)	7.45% 6.98% 6.93%

At the end of any fixed rate period, loans revert to the applicable Virgin Money Variable Investment Rate minus a discount based on the overall amount borrowed and the loan to value ratio (LVR) at loan approval.