Aussie Standard Fixed Rate Home Loan
If you want some certainty of your repayments, a low interest rate and no hidden fees, consider splitting or fixing your home loan.
With the Aussie Standard Fixed Loan you can protect yourself against rising interest rates and control you repayments with interest rates fixed for up to 5 years.
Interest Rate
1yr fixed rate -
1yr fixed comparison Rate -
2yr fixed rate -
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3yr fixed rate -
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4yr fixed rate -
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5yr fixed rate -
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Loan Size
Minimum - $50,000
Maximum - $2,500,000
Maximum Loan to Valuation Ratio
90%
Loan Repayments
Principal & Interest or Interest Only
Interest Only: Maximum term of 5 yrs
Payment Frequency
Fortnightly or Monthly
Monthly only available for Interest Only repayments
Additional Payments
Up to 5% of the original fixed loan amount every year without incurring penalties
Access
Internet, Phone. There is no redraw available on fixed accounts
LMI Capitalisation
means you have the option to borrow the cost of the insurance as part of your loan
Yes up to maximum LVR of 90%
Revert Rate
after the fixed rate period expires the loan will revert to
Aussie Standard variable rate
Lenders document fee
$100
Valuation Fee
$200 per valuation
Solicitors Fee
Advised by solicitor
Redraw
There is no redraw available on fixed accounts
Deferred Establishment Fee
you only need to pay DEF if you pay out the loan with in the first five years.
$2,000 (Year 1)
$1,500 (Year 2)
$1,000 (Year 3)
$500 (Year 4 & 5)
What you get with this home loan
With an Aussie Standard Fixed Loan you can:
- Choose to pay interest only.
- Make additional repayments - up to 5% of the original fixed loan amount every year.
- Choose between fortnightly and monthly repayments.
What you need to know about this loan
- It’s only for residential properties.
- The maximum loan term is 30 years.
- There are break costs if you decide to end your fixed term early.
Amount you can borrow
We assess the maximum amount that can be borrowed on a case by case basis. We generally consider a few things such as the size of your deposit and the Loan to Value Ratio (LVR). The LVR is the percentage of the property’s value you wish to borrow.