Go Basic Fixed Home Loan
Certainty of repayments for a term at competitive interest rates
Owner Occupied — Maximum LVR 80%
| Loan Type | Interest Rate | Comparison Rate* |
| 1 Year Fixed Principal and Interest |
5.69% p.a.1 | 5.74% p.a.* |
| 2 Year Fixed Principal and Interest |
5.79% p.a.1 | 5.76% p.a.* |
| 3 Year Fixed Principal and Interest |
5.89% p.a.1 | 5.80% p.a.* |
Owner Occupied — Maximum LVR 95%
| Loan Type | Interest Rate | Comparison Rate* |
| 1 Year Fixed Principal and Interest |
5.99% p.a.2 | 6.04% p.a.* |
| 2 Year Fixed Principal and Interest |
6.09% p.a.2 | 6.06% p.a.* |
| 3 Year Fixed Principal and Interest |
6.09% p.a.2 | 6.07% p.a.* |
Why Go Basic ?
Certainty
Enjoy certainty of repayments for 1, 2 or 3 years. At the end of the fixed term, the rate reverts to the Go Basic variable home loan. Or, re-fix for a further term.
Flexible
There’s no annual repayment limits and you can redraw funds in advance.
Low fuss
Borrow up to 95% of the property value with Lenders’ Mortgage Insurance2 to finance the purchase, build or refinance the property you live in.
Features and benefits
$0 monthly fee
No ongoing monthly fees to keep things simple.
$0 annual fee
No recurring annual fees to remember.
$600 application fee
Includes one standard valuation and legal fees for one security property.3
Coming off a fixed term?
Members with a fixed rate expiring will revert to the Go Basic home loan. Alternatively, you can choose to fix for a further term.
Home Loan Key Facts Sheet
Please take a moment to review the Home Loan Key Facts Sheet before you begin. Different interest rates apply based on loan purpose and repayment types.
Fees and charges
Refer to our fees and charges schedule for more information about fees and charges that may apply in relation to your loan.
Rate Lock
Find out how you can protect against possible rate rises prior to your fixed loan settling.
Important notes
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1Interest rate is current as at 05/03/2026, is for new money and switches and is subject to change. At the end of the fixed period your principal and interest loan and interest rate will revert to the Owner Occupied Go Basic Variable Home Loan and the repayment amount will change. Alternatively, you can select a new fixed term. Maximum LVR of 80%.
2 Interest rate is current as at 05/03/2026, is for new money and switches and is subject to change. At the end of the fixed period your principal and interest loan and interest rate will revert to the Owner Occupied Go Basic Variable Home Loan and the repayment amount will change. Alternatively, you can select a new fixed term. Lenders’ Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
3 Valuation for additional securities will be charged at cost and could incur additional legal fees. Government charges apply.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. 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.
