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Fixed Rate Home Loan (With Principal and Interest Repayment)

Fixed Rate Home Loan (With Principal and Interest Repayment)

Home loansBank updated 4 Nov 2026
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At a glance

Fixed
1 yr 6.89%, 2 yrs 6.89%, 3 yrs 7.09%, 4 yrs 7.09%, 5 yrs 7.09%
Max LVR
90%
Features
redraw, extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This home loan: 6.89%Every other institution's lowest, 81 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 1-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
1-year fixed home loanOwner occupier, principal & interest, 80% LVR6.89%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 82 institutions66th lowest of 82, level with 2 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR6.89%6.09%BankVic's Fixed Rate Home Loan - 2 years6.62%of 84 institutions64th lowest of 84, level with 2 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR7.09%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions64th lowest of 80, level with one other
5-year fixed home loanOwner occupier, principal & interest, 80% LVR7.09%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.89%of 63 institutions47th lowest of 63, level with one other

Rates

Every rate Bank of China publishes for this home loan, 5 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. 1 yr fixedtypical 6.59%6.89%
  2. 2 yrs fixedtypical 6.62%6.89%
  3. 3 yrs fixedtypical 6.69%7.09%
  4. 4 yrs fixed7.09%
  5. 5 yrs fixedtypical 6.89%7.09%
This home loanTypical lender's best
TypeApplies toTermBandRateComparisonConditions
Fixed1 Year Fixed RateOwner occupied, P&I1 yr fixed-6.89%8.63%-
Fixed2 Year Fixed RateOwner occupied, P&I2 yrs fixed-6.89%8.45%-
Fixed3 Year Fixed RateOwner occupied, P&I3 yrs fixed-7.09%8.35%-
Fixed4 Year Fixed RateOwner occupied, P&I4 yrs fixed-7.09%8.23%-
Fixed5 Year Fixed RateOwner occupied, P&I5 yrs fixed-7.09%8.11%-

Rate changes

10 changes logged, newest first.

DateRateWasNowChange
5 Nov 2026Fixed, Owner occupied, P&I, 1 yr fixed6.59%6.89%up 0.30
5 Nov 2026Fixed, Owner occupied, P&I, 2 yrs fixed6.59%6.89%up 0.30
5 Nov 2026Fixed, Owner occupied, P&I, 3 yrs fixed6.79%7.09%up 0.30
5 Nov 2026Fixed, Owner occupied, P&I, 4 yrs fixed6.79%7.09%up 0.30
5 Nov 2026Fixed, Owner occupied, P&I, 5 yrs fixed6.79%7.09%up 0.30
23 Sept 2026Fixed, Owner occupied, P&I, 1 yr fixed6.29%6.59%up 0.30
23 Sept 2026Fixed, Owner occupied, P&I, 2 yrs fixed6.29%6.59%up 0.30
23 Sept 2026Fixed, Owner occupied, P&I, 3 yrs fixed6.39%6.79%up 0.40
23 Sept 2026Fixed, Owner occupied, P&I, 4 yrs fixed6.39%6.79%up 0.40
23 Sept 2026Fixed, Owner occupied, P&I, 5 yrs fixed6.39%6.79%up 0.40

Each change is logged the night it appears in the rates Bank of China publishes. See how every lender answered the RBA on the rate tracker.

Fees

One fee published, grouped by when they're charged.

While you hold it1

  • Annual Fee
    $190

Features

RedrawExtra repaymentsDigital banking

Eligibility and limits

  • Available to individuals
  • Amount from $150,000, no maximum
  • Maximum LVR 90%

Published by Bank of China under the Consumer Data Right, last changed by them on 4 Nov 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.