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Fixed Rate Home Loan
RateCity Says: Lock in your rate for two years, and make extra repayments up to 12 months in advance without penalty (fees apply after this)

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3.49
% p.a
Fixed - 2 years
3.10
% p.a
$1,345
based on $300,000 loan amount for 30 years at 3.49%

On this page
3.49
% p.a
Fixed - 2 years
3.10
% p.a
$1,345
based on $300,000 loan amount for 30 years at 3.49%
Calculate your repayments for this loan
Your estimated repayment
$1,345
based on $300,000 loan amount for 30 years at 3.49%
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Quick home loan review
For Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR ≤ 80%)
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- Extra repayments and redraw facility
- Free redraw facility
- Split account option
These are the drawbacks of this home loan.
- No offset account
- Loan reverts to higher rate after fixed period
- Ongoing fee
- Higher than average upfront fee
- Discharge fee at end of loan
- No repayment holidays
Home loan overview
For Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR ≤ 80%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 80% | Total Repayments $484,200 |
Interest rate type Fixed - 2 years | |
Borrowing range
$10k
-
$100m
| Suitable for Owner Occupiers |
Loan term range 5 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Unlimited extra repayments | Offset account No |
Redraw facility Redraw fee: $0 | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 799 | Application fee 449 |
Legal fee $350 | Valuation fee $0 |
Settlement fee 0 | Other upfront fee 0 |
Ongoing fee $6 monthly | Discharge fee 350 |
Application method
Online | Phone |
Broker | In branch |
Target Market Determination
Visit IMB Bank to view Target Market Determination.
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