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Rate Lock

Lock in your interest rate while you're searching for your dream home.

Key Features

Lock in certainty by fixing your interest rate while you’re house hunting.

Guaranteed fixed interest rate for 90 days

Interest rates can change between the time you apply for your loan and find your dream home. With our Rate Lock feature, you can lock in today's rate for the next 90 days.

Flexible start date

Our Rate Lock feature is available for new fixed rate home loan and investment property loan applications and can be applied at any time prior to loan settlement.

You'll still benefit if rates fall

Don't worry, if rates go down after you lock in your rate, you'll automatically get the lower rate.

Rates & Fees

Enjoy competitive fixed and variable rates. 

All our fees are simple when you choose to Rate Lock.

Loan typePrincipal & InterestComparison Rate
Fixed 1 Year 6.54% p.a.
7.65% p.a.
Fixed 2 Years6.39% p.a.,1
7.34% p.a.,2
Fixed 3 Years6.44% p.a.
7.27% p.a.
Standard Variable Rate7.34% p.a.
7.54% p.a.
Loan typePrincipal & InterestComparison
Investment Fixed 1 Year 6.54% p.a.7.63% p.a.
Investment Fixed 2 Years6.39% p.a.,17.50% p.a.,2
Investment Fixed 3 Years 6.44% p.a.7.41% p.a.
Investment Standard Variable Rate7.54% p.a.7.74% p.a.
FeeAmount
Rate Lock fee$400

How to apply

Feel at ease by locking your rate in today. All you need to do is:

1. Contact our Home Loan Specialists

2. Complete Rate Lock Form

Apply for a home loan today

To find out more or apply for a home loan, book an appointment with our friendly team or visit us in branch.

Rate Lock FAQs

How do I apply for the Rate Lock feature?

You can apply for the Rate Lock feature when you submit your home loan application. Just let your Home Loan Specialist know you’re interested in locking in the current rate.

If you don’t finalise your loan in 90 days your Rate Lock ends. You can request a new Rate Lock which will be based on the current interest rate, not the rate when you first locked in. If your Rate Lock ends and you set up a new Rate Lock you will charged another Rate Lock fee.

Yes – however the $400 Rate Lock fee is not refundable.