Dnister BankPremier HL Fixed Interest Rate
Our most popular loan product.
At a glance
- Fixed
- 1 yr 6.41%, 2 yrs 6.42%, 3 yrs 6.51%, 4 yrs 6.55%, 5 yrs 6.59%
- Features
- offset, 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.41% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 18th lowest of 82 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.42% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 18th lowest of 84, level with one other |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.51% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 22nd lowest of 80 |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 6th lowest of 63 |
Rates
Every rate Dnister Bank publishes for this home loan, 10 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.41%
- 2 yrs fixedtypical 6.62%6.42%
- 3 yrs fixedtypical 6.69%6.51%
- 4 yrs fixed6.55%
- 5 yrs fixedtypical 6.89%6.59%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInvestor Rate - 1 year | Investment, P&I | 1 yr fixed | - | 6.52% | 6.95% | - |
| FixedInvestor Rate - 2 years | Investment, P&I | 2 yrs fixed | - | 6.53% | 6.91% | - |
| FixedInvestor Rate - 3 years | Investment, P&I | 3 yrs fixed | - | 6.61% | 6.90% | - |
| FixedInvestor Rate - 4 years | Investment, P&I | 4 yrs fixed | - | 6.68% | 6.91% | - |
| FixedInvestor Rate - 5 years | Investment, P&I | 5 yrs fixed | - | 6.79% | 6.94% | - |
| FixedOwner Occupier Rate - 1 year | Owner occupied, P&I | 1 yr fixed | - | 6.41% | 6.76% | - |
| FixedOwner Occupier Rate - 2 years | Owner occupied, P&I | 2 yrs fixed | - | 6.42% | 6.73% | - |
| FixedOwner Occupier Rate - 3 years | Owner occupied, P&I | 3 yrs fixed | - | 6.51% | 6.73% | - |
| FixedOwner Occupier Rate - 4 years | Owner occupied, P&I | 4 yrs fixed | - | 6.55% | 6.73% | - |
| FixedOwner Occupier Rate - 5 years | Owner occupied, P&I | 5 yrs fixed | - | 6.59% | 6.74% | - |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed | 6.34% | 6.52% | up 0.18 |
| 8 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed | 6.29% | 6.53% | up 0.24 |
| 8 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed | 6.44% | 6.61% | up 0.17 |
| 8 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed | 6.64% | 6.68% | up 0.04 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.29% | 6.41% | up 0.12 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.19% | 6.42% | up 0.23 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.39% | 6.51% | up 0.12 |
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed | 6.44% | 6.55% | up 0.11 |
Each change is logged the night it appears in the rates Dnister 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 out8
- ASIC Lodgement$50
- Bank Cheque$15
- Bank Production$150
- Company Search$50
- Discharge of Mortgage$200
- Loan Establishment Fee$250
- Title Search$49.50
- Withdrawal of Caveat$100
When you make a transaction3
- Redraw FeeNo fee
- Redraw Fee$10
- Redraw Fee$25
Features
- Weekly, fortnightly or monthly repayments options.
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Amount from $200,000, no maximum
Compare it with others
Put this product through a calculator
Published by Dnister under the Consumer Data Right, last changed by them on 7 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.