Fixed Rate Home Loan - IO (Owner Occupied)

Fixed Rates: All Terms (p.a.)
Term Fixed Rate Comparison Rate
1 Year 3.79% 4.71%
2 Year 3.79% 4.64%
3 Year 3.59% 4.52%
4 Year 3.99% 4.57%
5 Year 3.99% 4.53%
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Key Features
Loan Type
Min Loan
Max Loan
Application Fee
Borrow upto
of property value
Ongoing fee
$12.00 Monthly
Redraw Facility
Offset Account

Loan Details

Loan Type Fixed
Security Type ResidentialProperty
Availability Owner Occupiers
Repayment Options Interest Only
Repayment Frequency Weekly, Fortnightly, Monthly
Min Loan Term 1
Max Loan Term 30
Max Loan to Value Ration (LVR) 80%
Max LVR with Mortgage Insurance 80%
Min Loan Amount $20,000.00
Max Loan Amount $10,000,000.00
Interest Rate Notes


Extra Repayments
Loan is Transferable (Portable)
Transfer Fee $350.00
Mortgage Offset Available
Mortgage Offset 100%
Mortgage Offset Rate 40%
Redraw Available
Min Redraw Amount $1,000.00
Max Redraw Amount -
Redraw Fee $0.00
Redraw Notice Period
Redraw Method
Redraw Notes & Comments

Split Account

Split Available
Max No. of Accounts for Split n/a
Separate Statements for Split
Statement Frequency
Fixed Option
Fee for Fixing n/a


Application Fee $295.00
Legal Fee $0.00
Legal Fee $0.00
Valuation Fee $0.00
Settlement Fee $250.00
Service Fee $12.00
Exit Fee $338.20
Early Termination Fee Early Termination Fee - Early exit fees are dependent on individual loans such as rate, terms, value.
Legal Fee $0.00

Break Costs

Break costs involved - $195 break cost admin fee applies.

General Fee Notes:

Service Fee - A $12 per month loan maintenance fee applies. Offset account is not available to companies, businesses and family trading trusts. At the end of the fixed term $10 monthly fee will apply if an offset account is held..

General Notes:

Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Minimum loan size is $20,000. Rates are subject to change. Comparison rate based on a loan of $150,000 for a term of 25 years. 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. Bankwest, a division of Commonwealth Bank of Australia ABN48 123 123 124 AFSL/Australian credit licence 234945.