MCCAAmlak Premium Fixed
A fixed home finance facility available for both owner occupiers and investors, with fixed terms ranging from 1 to 5 years.
At a glance
- Fixed
- 1 yr 7.20%, 2 yrs 7.20%, 3 yrs 7.20%, 4 yrs 7.50%, 5 yrs 7.50%
- Max LVR
- 90%
- Features
- 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 | 7.20% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 81 institutions | 71st lowest of 81 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.20% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.59%of 83 institutions | 71st lowest of 83 |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.20% | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions | 66th lowest of 79 |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.50% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.79%of 62 institutions | 55th lowest of 62 |
Rates
Every rate MCCA publishes for this home loan, 20 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%7.20%
- 2 yrs fixedtypical 6.59%7.20%
- 3 yrs fixedtypical 6.69%7.20%
- 4 yrs fixed7.50%
- 5 yrs fixedtypical 6.79%7.50%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 1 yr fixed | ≤80% LVR | 7.80% | 7.06% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | ≤80% LVR | 7.80% | 7.14% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | ≤80% LVR | 7.80% | 7.22% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | ≤80% LVR | 8.10% | 7.41% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | ≤80% LVR | 8.10% | 7.50% | - |
| Fixed | Investment, P&I | 1 yr fixed | ≤90% LVR | 7.40% | 6.93% | - |
| Fixed | Investment, P&I | 2 yrs fixed | ≤90% LVR | 7.40% | 6.99% | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤90% LVR | 7.40% | 7.04% | - |
| Fixed | Investment, P&I | 4 yrs fixed | ≤90% LVR | 7.70% | 7.21% | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤90% LVR | 7.70% | 7.28% | - |
| Fixed | Owner occupied, Interest only | 1 yr fixed | ≤80% LVR | 7.60% | 6.86% | - |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | ≤80% LVR | 7.60% | 6.94% | - |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | ≤80% LVR | 7.60% | 7.02% | - |
| Fixed | Owner occupied, Interest only | 4 yrs fixed | ≤80% LVR | 7.90% | 7.21% | - |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | ≤80% LVR | 7.90% | 7.29% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | ≤90% LVR | 7.20% | 6.72% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | ≤90% LVR | 7.20% | 6.78% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤90% LVR | 7.20% | 6.84% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | ≤90% LVR | 7.50% | 7.00% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | ≤90% LVR | 7.50% | 7.07% | - |
Fees
6 fees published, grouped by when they're charged.
- When you take it out$965Application Fee
- While you hold itNo fee published
- When you close it or pay it offUp to $3002 fees, each listed below
When you take it out1
- Application Fee
A one time fee charged at the time of application, comprising of a $755 application fee, and a $210 processing fee.
$965
When particular things happen3
- Break Cost Administration Fee
Fixed Break Cost Administration Fee charged when a borrower breaks their fixed rate period, covering the administration of processing the break request, charged in addition to the Fixed Rate Break Co…
$150 - Rental Facility Lock Fee
Fixed Rental Facility Lock Fee allows borrowers to lock in the fixed rental facility fee for 90 days, protecting against potential rental facility fee increases until settlement; compulsory for 5-yea…
$350 - Valuation Fee
A variable fee charged at cost to assess the value of the property used as security for the finance facility, starting from a minimum amount.
From $221
When you close it or pay it off2
- Discharge Administration Fee
A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if facility runs to term.
$300 - Discharge Documentation Fee
A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if facility runs to term.
$250
Features
Eligibility and limits
- Minimum age 18
- Residency: Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
- Amount $50,000 to $3,000,000
- The term of the finance facility cannot exceed 30 years.
- The term of the finance facility must be a minimum of 15 years.
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Published by MCCA 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.