The Finance Algorithm
MCCA logoMCCA

Amlak Select Fixed

A fixed home finance facility available for both owner occupiers and investors, with fixed terms ranging from 1 to 5 years.

Home loansLender updated 14 Oct 2026

At a glance

Fixed
1 yr 7.10%, 2 yrs 7.10%, 3 yrs 7.10%, 4 yrs 7.40%, 5 yrs 7.40%
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.

This home loan: 7.10%Every other institution's lowest, 80 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% LVR7.10%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 81 institutions71st lowest of 81
2-year fixed home loanOwner occupier, principal & interest, 80% LVR7.10%6.09%BankVic's Fixed Rate Home Loan - 2 years6.59%of 83 institutions71st lowest of 83
3-year fixed home loanOwner occupier, principal & interest, 80% LVR7.10%6.09%Border Bank's Customs Value Home Loan6.69%of 79 institutions65th lowest of 79
5-year fixed home loanOwner occupier, principal & interest, 80% LVR7.40%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.79%of 62 institutions55th 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. 1 yr fixedtypical 6.59%7.10%
  2. 2 yrs fixedtypical 6.59%7.10%
  3. 3 yrs fixedtypical 6.69%7.10%
  4. 4 yrs fixed7.40%
  5. 5 yrs fixedtypical 6.79%7.40%
This home loanTypical lender's best
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, Interest only1 yr fixed≤80% LVR7.70%7.05%-
FixedInvestment, Interest only2 yrs fixed≤80% LVR7.70%7.12%-
FixedInvestment, Interest only3 yrs fixed≤80% LVR7.70%7.19%-
FixedInvestment, Interest only4 yrs fixed≤80% LVR8.00%7.37%-
FixedInvestment, Interest only5 yrs fixed≤80% LVR8.00%7.45%-
FixedInvestment, P&I1 yr fixed≤90% LVR7.30%6.92%-
FixedInvestment, P&I2 yrs fixed≤90% LVR7.30%6.96%-
FixedInvestment, P&I3 yrs fixed≤90% LVR7.30%7.01%-
FixedInvestment, P&I4 yrs fixed≤90% LVR7.60%7.17%-
FixedInvestment, P&I5 yrs fixed≤90% LVR7.60%7.23%-
FixedOwner occupied, Interest only1 yr fixed≤80% LVR7.50%6.81%-
FixedOwner occupied, Interest only2 yrs fixed≤80% LVR7.50%6.89%-
FixedOwner occupied, Interest only3 yrs fixed≤80% LVR7.50%6.96%-
FixedOwner occupied, Interest only4 yrs fixed≤80% LVR7.80%7.14%-
FixedOwner occupied, Interest only5 yrs fixed≤80% LVR7.80%7.23%-
FixedOwner occupied, P&I1 yr fixed≤90% LVR7.10%6.67%-
FixedOwner occupied, P&I2 yrs fixed≤90% LVR7.10%6.72%-
FixedOwner occupied, P&I3 yrs fixed≤90% LVR7.10%6.77%-
FixedOwner occupied, P&I4 yrs fixed≤90% LVR7.40%6.93%-
FixedOwner occupied, P&I5 yrs fixed≤90% LVR7.40%7.00%-

Rate changes

20 changes logged, newest first.

DateRateWasNowChange
15 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, ≤80% LVR7.80%7.70%down 0.10
15 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤80% LVR7.80%7.70%down 0.10
15 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤80% LVR7.80%7.70%down 0.10
15 Oct 2026Fixed, Investment, Interest only, 4 yrs fixed, ≤80% LVR8.10%8.00%down 0.10
15 Oct 2026Fixed, Investment, Interest only, 5 yrs fixed, ≤80% LVR8.10%8.00%down 0.10
15 Oct 2026Fixed, Investment, P&I, 1 yr fixed, ≤90% LVR7.40%7.30%down 0.10
15 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, ≤90% LVR7.40%7.30%down 0.10
15 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, ≤90% LVR7.40%7.30%down 0.10
15 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, ≤90% LVR7.70%7.60%down 0.10
15 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, ≤90% LVR7.70%7.60%down 0.10
15 Oct 2026Fixed, Owner occupied, Interest only, 1 yr fixed, ≤80% LVR7.60%7.50%down 0.10
15 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤80% LVR7.60%7.50%down 0.10
15 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤80% LVR7.60%7.50%down 0.10
15 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, ≤80% LVR7.90%7.80%down 0.10
15 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤80% LVR7.90%7.80%down 0.10
15 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤90% LVR7.20%7.10%down 0.10
15 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤90% LVR7.20%7.10%down 0.10
15 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤90% LVR7.20%7.10%down 0.10
15 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, ≤90% LVR7.50%7.40%down 0.10
15 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤90% LVR7.50%7.40%down 0.10

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

Fees

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

  1. When you take it out$965Application Fee
  2. While you hold itNo fee published
  3. 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

Extra repayments

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.

Published by MCCA under the Consumer Data Right, last changed by them on 14 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.