Arab Bank Australia Ltd ProdFixed Rate Home Loan (Owner Occupier)
Our Fixed Rate Home Loan protects you from ongoing interest rate rises, while giving you the added security of consistent repayments during the first phase of your loan.
At a glance
- Fixed
- 1 yr 6.65%, 2 yrs 6.80%, 3 yrs 7.65%, 4 yrs 7.90%, 5 yrs 8.10%
- Max LVR
- 60%
Rates
Every rate Arab Bank Australia Ltd Prod publishes for this home loan, 5 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMaximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable… | Owner occupied, P&I | 1 yr fixed | ≤60% LVR | 6.65% | 7.93% | Loan-to-Value Ratio and Repayment Term |
| FixedMaximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable… | Owner occupied, P&I | 2 yrs fixed | ≤60% LVR | 6.80% | 7.83% | Loan-to-Value Ratio and Repayment Term |
| FixedMaximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable… | Owner occupied, P&I | 3 yrs fixed | ≤60% LVR | 7.65% | 7.97% | Loan-to-Value Ratio and Repayment Term |
| FixedMaximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable… | Owner occupied, P&I | 4 yrs fixed | ≤60% LVR | 7.90% | 8.03% | Loan-to-Value Ratio and Repayment Term |
| FixedMaximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable… | Owner occupied, P&I | 5 yrs fixed | ≤60% LVR | 8.10% | 8.12% | Loan-to-Value Ratio and Repayment Term |
Rate changes
5 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, ≤60% LVR | 6.30% | 6.65% | up 0.35 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, ≤60% LVR | 6.45% | 6.80% | up 0.35 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, ≤60% LVR | 7.30% | 7.65% | up 0.35 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed, ≤60% LVR | 7.55% | 7.90% | up 0.35 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, ≤60% LVR | 7.75% | 8.10% | up 0.35 |
Each change is logged the night it appears in the rates Arab Bank Australia Limited publishes. See how every lender answered the RBA on the rate tracker.
Fees
11 fees published, grouped by when they're charged.
- When you take it out$600Application Fee
- While you hold itNo fee published
- When you close it or pay it off$250Discharge of Security Fee
When you take it out1
- Application Fee$600
When you make a transaction1
- Search Fee
Per hour or part thereof - payable whenever the Customer (or a Guarantor) requests a copy of a document (other than a statement) connected to the Facility. It is calculated on the basis of the time t…
$70
When particular things happen8
- Additional Security Consent Fee
Payable whenever the Customer asks the Bank to consent to a security interest over the security property or any other property subject to the security. It is payable whether or not the Bank consents…
$150 - Arrears Letter Fee$35
- Deed Production Fee
Payable by the Customer whenever the Bank is required to produce a document to a government registry. It does not include any solicitor costs or fees payable to a government registry to register a do…
$60 - Direct Debit Dishonour Fee
Payable whenever a direct debit to the Customer’s loan account is dishonoured.
$35 - Rollover Fee
Payable by the Customer at the end of a fixed rate period if the Customer chooses to rollover to another fixed interest rate for another fixed rate period rather than automatically converting to vari…
$300 - Tenanted Security Report Fee
Per hour or part thereof - payable when the security property is to be the place of residence of the Customer and the Bank ascertains by inspection (because the Customer did not tell the Bank) that t…
$100 - Title Change Fee
Payable if the Customer asks the Bank to change the title to any security property (for example as a result of a court order or by operation of law). It does not include any solicitor costs or fees p…
$100 - Transfer Fee
Payable if the Customer asks the Bank to change the security property by releasing its security over some or all of the security property and taking security over different property, without any othe…
$300
When you close it or pay it off1
- Discharge of Security Fee
Payable if the Bank agrees to discharge a security. The Bank may use some or all of this fee to pay its external costs. It does not include any solicitor costs or fees payable to a government registr…
$250
Features
- Loan Purpose: Owner Occupied.
- Repayment Type: Principal and Interest.
- • Fixed interest rate for the first 1 to 5 years. • Weekly, fortnightly or monthly repayments. • Automatic repayments. • Loan portability available. • Maximum LVR for the advertised rates is 60%. For…
Eligibility and limits
- Amount from $50,000, no maximum
- • This loan is available to new and existing customers. • Available to applicants over the age of 18 years. • Applicant must meet the Bank’s Credit criteria. • Loan Mortgage Insurance (LMI) is requir…
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Published by Arab Bank Australia Limited under the Consumer Data Right, last changed by them on 13 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.