Fixed Rate Home Loan

Home loansBank updated 15 Oct 2026

Apply at Coastline Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Fixed: 1 yr 6.45%, 2 yrs 6.54%, 3 yrs 6.59%
Max LVR: 95%
Annual fee: $96
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.

Typical 6.59%

6%6.2%6.4%6.6%6.8%7%7.2%7.4%to 9.5%

This home loan: 6.49%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.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
1-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.49%	5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M	6.59%of 82 institutions	22nd lowest of 82, level with 7 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.54%	6.09%BankVic's Fixed Rate Home Loan - 2 years	6.62%of 84 institutions	30th lowest of 84, level with 4 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.59%	6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package	6.69%of 80 institutions	27th lowest of 80, level with 5 others

Rates

Every rate Coastline publishes for this home loan, 9 in all.

Variable and fixed, at 80% LVR

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

1 yr fixedtypical 6.59%6.49%
2 yrs fixedtypical 6.62%6.54%
3 yrs fixedtypical 6.69%6.59%

This home loanTypical lender's best

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed1 YEAR FIXED RATE WITH LVR <= 60%	Owner occupied, P&I	1 yr fixed	≤60% LVR	6.45%	6.64%	Existing cust; Min deposits; New accounts; New customer
Fixed1 YEAR FIXED RATE WITH LVR > 60% TO <= 80%	Owner occupied, P&I	1 yr fixed	60–80% LVR	6.49%	6.65%	Existing cust; Min deposits; New accounts; New customer
Fixed1 YEAR FIXED RATE WITH LVR > 80%	Owner occupied, P&I	1 yr fixed	>80.01% LVR	6.74%	6.67%	Existing cust; Min deposits; New accounts; New customer
Fixed2 YEAR FIXED RATE WITH LVR <= 60%	Owner occupied, P&I	2 yrs fixed	≤60% LVR	6.54%	6.66%	Existing cust; Min deposits; New accounts; New customer
Fixed2 YEAR FIXED RATE WITH LVR > 60% TO <= 80%	Owner occupied, P&I	2 yrs fixed	60–80% LVR	6.54%	6.66%	Existing cust; Min deposits; New accounts; New customer
Fixed2 YEAR FIXED RATE WITH LVR > 80%	Owner occupied, P&I	2 yrs fixed	>80.01% LVR	6.79%	6.71%	Existing cust; Min deposits; New accounts; New customer
Fixed3 YEAR FIXED RATE WITH LVR <= 60%	Owner occupied, P&I	3 yrs fixed	≤60% LVR	6.59%	6.68%	Existing cust; Min deposits; New accounts; New customer
Fixed3 YEAR FIXED RATE WITH LVR > 60% TO <= 80%	Owner occupied, P&I	3 yrs fixed	60–80% LVR	6.59%	6.68%	Existing cust; Min deposits; New accounts; New customer
Fixed3 YEAR FIXED RATE WITH LVR > 80%	Owner occupied, P&I	3 yrs fixed	>80.01% LVR	6.84%	6.75%	Existing cust; Min deposits; New accounts; New customer

Rate changes

9 changes logged, newest first.

Date	Rate	Was	Now	Change
16 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, ≤60% LVR	6.24%	6.45%	up 0.21
16 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, 60–80% LVR	6.24%	6.49%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, >80.01% LVR	6.49%	6.74%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, ≤60% LVR	6.29%	6.54%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 60–80% LVR	6.29%	6.54%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, >80.01% LVR	6.54%	6.79%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, ≤60% LVR	6.34%	6.59%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 60–80% LVR	6.34%	6.59%	up 0.25
16 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, >80.01% LVR	6.59%	6.84%	up 0.25

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

Fees

19 fees published, grouped by when they're charged.

When you take it outUp to $5958 fees, each listed below
While you hold it$8 a monthLoan Administration Fee
When you close it or pay it offNo fee published

When you take it out8

Loan Estab Fee - Owner Builder
$595
Loan Establishment Fee
$595
PPSR Security Interest Fee
$50
Progress Draw Fee-Construction
$95
Property Search Fee
$30
Real Time Transfer/NPP Fee
$20
Scheduling Fee - Owner Builder
$550
Settlement Disbursement Fee
$5

While you hold it1

Loan Administration Fee
$8 a month

When you make a transaction4

CU Solicitor Mtg Discharge Fee
$380
Loan Redraw Fee
No fee
Loan Redraw Fee
$20
Mortgage Discharge Fee
$250

When particular things happen6

Arrears Reminder Fee
$5
Final Notice of Demand
$40
Loan Refixing Fee
$150
Loan Renegotiation Fee
$150
Loan Switching Fee
$150
Manual Arrears Transfer Fee
$5

Features

RedrawExtra repaymentsGuarantor optionInstant paymentsDigital banking

Eligibility and limits

Minimum age 18
Residency: Australia
Available to individuals
Maximum LVR 95%

Compare it with others

All home loans Other Coastline Bank home loans Everything Coastline Bank publishes

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Published by Coastline Bank under the Consumer Data Right, last changed by them on 15 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.