Intelligent Mortgage Fixed

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Intelligent Mortgage Fixed

Lock in one of our competitive interest rates for 1, 2 or 3 years. This option gives you security knowing the rates won’t change during the locked period.

1 Year Fixed
2.79% pa
interest rate¹

3.56% pa comparison rate*

2 Years Fixed
2.79% pa
interest rate²

3.49% pa comparison rate*

3 Years Fixed
2.79% pa
interest rate³

3.43% pa comparison rate*

No application fee
No on-going fees
100% offset available
Variable and lump sum repayments
Automatic repayment from salary

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How do I apply?

What documents do I need?

Evidence of Income:

Copy of 2 current pay slips or a letter from your employer stating commencement date and salary details
If your pay is not currently deposited to an LCU account, please supply 3 months' of complete bank statements
Proof and source of other income
If self-employed please provide full financial statements and tax assessments for the last 2 years and current figures no more than 3 months old
A copy of a recent rental lease or bank statements showing receipt of rent.

Evidence of Commitments:

Statement of your home and/or other loans
A copy of a recent rental lease or if boarding, a letter from the owner
Latest 3 months' of statements for all credit cards and store cards

Additional information

Rates are subject to change. Please refer to our rates and fees page.
*Comparison rate based on a secured loan of $150,000 over 25 years. Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.
¹Fixed rate is available for 1 years. At the end of the fixed period, loans with an original balance greater than $300,000 will revert to the Intelligent Mortgage 300 rate, loans with an original balance less than $300,000 will revert to the Intelligent Mortgage Variable rate.
²Fixed rate is available for 2 years. At the end of the fixed period, loans with an original balance greater than $300,000 will revert to the Intelligent Mortgage 300 rate, loans with an original balance less than $300,000 will revert to the Intelligent Mortgage Variable rate.
³Fixed rate is available for 3 years. At the end of the fixed period, loans with an original balance greater than $300,000 will revert to the Intelligent Mortgage 300 rate, loans with an original balance less than $300,000 will revert to the Intelligent Mortgage Variable rate.

Key features
Calculator

Intelligent Mortgage Fixed
Interest Rates
1 Year fixed interest rate	2.79% pa¹
1 Year fixed comparison rate	3.56% pa
2 Year fixed interest rate	2.79% pa²
2 Year fixed comparison rate	3.49% pa
3 Year fixed interest rate	2.79% pa³
3 Year fixed comparison rate	3.43% pa
Fees
Establishment Fee	$903.60
Annual Fee	$0
Monthly Fee	$0
Redraw Fee	$0
Fixed Loan Break Fee	Yes
Features
Automatic Deposits (salary / account)	Yes
Minimum Amount	$50,000
Maximum borrowing capacity (LVR)	80% No LMI, 95% with LMI
Minimum Term in Years	1 year
Maximum Term in Years	30 years
Redraw Facility	Yes
Offset Account	100% offset available
Repayments	Weekly, fortnightly or monthly
Variable and lump sum repayments	Yes

¹ Fixed rate is available for 1 years. At the end of the fixed period, loans with an original balance greater than $300,000 will revert to the Intelligent Mortgage 300 rate, loans with an original balance less than $300,000 will revert to the Intelligent Mortgage Variable rate.

² Fixed rate is available for 2 years. At the end of the fixed period, loans with an original balance greater than $300,000 will revert to the Intelligent Mortgage 300 rate, loans with an original balance less than $300,000 will revert to the Intelligent Mortgage Variable rate.

³ Fixed rate is available for 3 years. At the end of the fixed period, loans with an original balance greater than $300,000 will revert to the Intelligent Mortgage 300 rate, loans with an original balance less than $300,000 will revert to the Intelligent Mortgage Variable rate.