Home Loans

We work hard to offer straightforward, flexible and great-value home loans to suit your lifestyle.

5 Year Fixed Rate Home Loan

5 Year Fixed Home Loan


The 5 Year Fixed Rate Home Loan lets you to budget and plan for life’s uncertainties by fixing your interest rate for a period of 5 years.

5 year

fixed interest rate

Split loan

option

No monthly

or annual fees

Overview

 

Main features of the 5 Year Fixed Rate Home Loan:
 

  • A competitive fixed interest rate for 5 years
  • Minimum loan amount of $150,000
  • Loan available for buying a home or refinancing
  • Loan term up to 30 years 
  • Flexible repayment frequencies - pay weekly, fortnightly or monthly
  • Split option (with other variable rate home loans)
  • No monthly or annual fees
To enquire about the 5 Year Fixed Rate Home Loan, go online, call us on 1300 13 23 28 or visit your nearest branch.

Rates & Fees

 

Here’s everything you need to know about the rates and fees for the 5 Year Fixed Rate Home Loan:
 

  • Interest rate:4.64% p.a.2 
  • Comparison rate: 5.06% p.a.3

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. WARNING: This 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.

  • Application fee: $500
  • Monthly fee: $0
  • Annual fee: $0
  • Mortgage discharge fee: $300 + early break fee
  • Lenders Mortgage Insurance (LMI)4: Payable for loans with a deposit of less than 20%
  • 3rd party charges: Stamp duty, legal fees and valuation fees apply

Additional fees may be payable. For more information please see our Schedule of Fees and Charges.

Download our Schedule of Fees and Charges

Questions


Here are the most common questions we get asked about our 5 Year Fixed Rate Home Loan. Have a different question? Call us on 1300 13 23 28 to speak to a home loan expert.


Can I apply for this loan as a refinancing option?
Yes. The 5 Year Fixed Rate Home Loan is available for buying a home and refinancing from another financial institution.


Can I split this loan?
Yes. When choosing a variable loan split option, a minimum of $150,000 is required for the 5 year fixed split component.


Can I redraw additional repayments from my loan?
No, a redraw facility is not available on the 5 Year Fixed Rate Home Loan. Refer to the comparison table below for the full range of features.


What are my repayment options?
With the 5 Year Fixed Rate Home Loan you will be required to make repayments to both the loan principal and interest.


Can I extend the fixed rate period on my loan?
Yes, at the end of the fixed rate period you can choose to re-fix your loan. Fees and charges apply.

Features
Interest Rate2
Comparison Rate3
Maximum Loan to Value Ratio (LVR)4
Offset Facility Option
Redraw facility ($500 minimum)
Additional Repayments
Monthly Fees
Annual Fees
Repayments
Split option available
Maximum Loan Period
Loan Purpose
Relationship Rewards5

Use the arrows to scroll through the many Australian Military Bank Home Loans options  RESET


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