Fixed rate

For those who prefer the certainty of knowing what your mortgage repayments will be for a fixed period, a fixed rate loan is what you need.

Our competitive fixed rate home loans give you the ability to fix your rates over a period of one to five years, so you can better manage your finances.



You can enjoy the following benefits:

  • additional repayments available*
  • flexible repayment options – weekly, fortnightly or monthly
  • interest calculated daily and debited monthly in arrears
  • pre-approval certificate (valid for three months)
  • no-obligation quotes for pay-by-the-month insurance (with an option of 90 days free building insurance cover during settlement period).


To be eligible, you must:

  • be a BankVic member
  • be 18 years and over and
  • meet our lending assessment criteria.
* You can make up to $10,000 pa in additional payments without incurring any penalty cost.


Features of our fixed rate home loans include:

  • minimum loan amount $50,000
  • maximum loan term 30 years
  • loan portability.

Rates & fees


  Rate pa Comparison rate pa
1 year 2.99% 4.10%
2 year  2.85% 3.97%
3 year 2.85% 3.87%
4 year 3.05% 3.83%
5 year 3.05% 3.76%
1 year 3.39% 4.79%
2 year 3.39% 4.65%
3 year 3.39% 4.53%
4 year 3.59% 4.49%
5 year 3.59% 4.39%

1 Fixed rates effective 10 December 2019.

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. Comparison rate for our home loan is based on a on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rate has been calculated on a loan amount of $150,000 over a term of 25 years.

Key facts sheet

You can also request a home loan key facts sheet which will highlight important information such as the total amount that you need to repay over the life of your loan.

Fees & charges

Refer to Fees & Charges (PDF) for information on current fees & charges.

Apply now

4 easy ways to apply

Before you apply...

We recommend that you read our Credit Guide (PDF).

BSB: 704 230

Tools & Resources