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Fixed Rate Home Loans

Our Fixed Rate Home Loan is the perfect way to safeguard you against interest rate rises.

Plus unlike the banks, we’ll save you a bundle on fees!*

Apply for a Fixed Rate Home Loan

Our Fixed Rate Home Loan offers you a great deal with:
  • $0 account keeping fees, $0 application fee, $0 annual fee, $0 monthly fees
  • Extra repayments up to $10,000 a year
  • Borrow up to 95% of the property value (with mortgage insurance)
  • $100 free monthly transaction allowance to use at ATMs, and EFTPOS etc.^

1, 2, 4, and 5 year terms also available.

Now is the time to switch!


3 year rate:
 4.49% pa

Comparison rate:
 4.49% pa#

Apply now

Current interest rates
Loan Type Interest Rate Amount Term

Comparison Rate#

1 year  4.39% pa $150,000 25 years  4.48% pa
2 years  4.39% pa $150,000 25 years  4.47% pa
3 years  4.49% pa $150,000 25 years  4.49% pa
4 years  4.49% pa $150,000 25 years  4.49% pa
5 years  4.49% pa $150,000 25 years  4.49% pa

Rates current as at 12 August 2015

We beat the banks!

See our weekly report which shows you how our fixed rate loan compare to the banks.

  Compare us today
Institution Product 3 year interest rate 3 year comparison rate#
Qantas Credit Union $150,000 Fixed Rate Loan  4.49% pa  4.49% pa
NAB $150,000 Fixed Rate Loan 4.69% pa 5.32% pa
ANZ $150,000 Fixed Rate Loan 4.69% pa 5.19% pa
CBA $150,000 Fixed Rate Loan 4.69% pa 5.42% pa
Westpac $150,000 Fixed Rate Loan 4.69% pa 5.29% pa

Source of competitor rates:
Rates current as at 12 August 2015


Use our calculator to see what your fixed rate home loan repayments will be.

Find out more about our Home Loans
Apply now

Both Members and non-Members can apply for a fixed rate home loan using the below online form.

Apply for a Fixed Rate Home Loan

Loans are subject to approval. Terms and conditions, fees, charges, and normal lending criteria apply. Terms and Conditions available on request.

^ $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.

#WARNING: This comparison rate applies to the example or the 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. A monthly repayment frequency and a term of 25 years have been used to calculate our comparison rate.