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Go Basic Fixed Home Loan
Certainty of repayments for a term at low interest rates
Home Loan special – Owner occupied purposes with maximum LVR 80%
Owner occupied – maximum LVR 80%
Owner occupied – maximum LVR 95%
Features and benefits
Certainty
Enjoy certainty of repayments for 1, 2 or 3 years. At the end of the fixed term, the rate reverts to the Go Basic variable home loan. Or, re-fix for a further term.
Flexible
There’s no annual repayment limits and you can redraw funds in advance.
Low fuss
Borrow up to 95% of the property value with Lenders’ Mortgage Insurance2 to finance the purchase, build or refinance the property you live in.
$0
Monthly fee
No ongoing monthly fees to keep things simple.
$0
Annual fee
No recurring annual fees to remember.
$600
Application fee
Includes one standard valuation and legal fees for one security property. 3
$0
Online redraw fee
Redraw funds in advance via Internet Banking. Staff assisted redraws cost $30.
How to apply
You can apply online, over the phone or by visiting one of our financial services stores. One of our Mortgage Specialists will guide you through the process.
Coming off a fixed term?
Members with a fixed rate expiring will revert to the Go Basic home loan. Alternatively, you can choose to fix for a further term.
You can view Target Market Determinations here .
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Interest rate is current as at 18/08/26, is for new money and switches and is subject to change. At the end of the fixed period your principal and interest loan and interest rate will revert to the Owner Occupied Go Basic Variable Home Loan and the repayment amount will change. Alternatively, you can select a new fixed term. Maximum LVR of 80%.
2 Interest rate is current as at 18/08/26, is for new money and switches and is subject to change. At the end of the fixed period your principal and interest loan and interest rate will revert to the Owner Occupied Go Basic Variable Home Loan and the repayment amount will change. Alternatively, you can select a new fixed term. Lenders’ Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
3 Valuation for additional securities will be charged at cost and could incur additional legal fees. Government charges apply.
4 Offer Terms and Conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. Offer commences 18/08/26 and is for eligible applications submitted by 2/10/26 and funded by 31/12/26 and can be withdrawn or changed at any time. Offer is available on Go Basic 3 year fixed home loans for new owner occupier principal and interest loans with a minimum balance of $50,000 or for internal loan increases including at least $50,000 of new funds. Acceptable purposes are residential property purchase and refinance; construction loans are excluded from the offer. Application fee includes one standard valuation fee and legal fees for one security property, and up to 2 split loans under Go Basic. Valuation for non-standard and additional securities will be charged at cost and could incur additional legal fees. Government charges apply. Your interest rate is fixed for 3 years and may change prior to funding. At the end of the fixed period, your home loan will revert to the Go Basic Variable home loan based on the interest rate applicable at that time. Your interest rate and repayments may increase at the end of the fixed term. Break costs apply to fixed loans. Government charges or exit costs may be incurred when refinancing from your existing lender.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.