Fixed rate

For those who prefer the certainty of knowing what your mortgage repayments will be for a fixed period, a fixed rate loan is what you need.

Our competitive fixed rate home loans give you the ability to fix your rates over a period of one to five years, so you can better manage your finances.



You can enjoy the following benefits:

  • additional repayments available*
  • flexible repayment options – weekly, fortnightly or monthly
  • interest calculated daily and debited monthly in arrears
  • pre-approval certificate (valid for three months)
  • no-obligation quotes for pay-by-the-month insurance (with an option of 90 days free building insurance cover during settlement period).


To be eligible, you must:

  • be a BankVic member
  • be 18 years and over and
  • meet our lending assessment criteria.
* You can make up to $10,000 pa in additional payments without incurring any penalty cost.


Features of our fixed rate home loans include:

  • minimum loan amount $50,000
  • maximum loan term 30 years
  • loan portability.

Rates & fees


  Rate pa Comparison rate pa
1 year - standard rate 2.60% 3.80%
2 year - standard rate 2.60% 3.72%
3 year - standard rate 2.60% 3.62%
4 year - standard rate 2.80% 3.59%
5 year - standard rate 2.80% 3.51%
1 year 3.14% 4.54%
2 year 3.14% 4.41%
3 year 3.14% 4.28%
4 year 3.34% 4.24%
5 year 3.34% 4.15%

1 Fixed rates effective 25 March 2020 for new and existing borrowers.

Terms and Conditions 1. All new Fixed Rate loan rates are current as at 25 March 2020 and subject to change or withdrawal at any time. They are not available with any other offer and no further discounts apply. Fixed rates apply for owner occupied loans with principal and interest repayments. This comparison rate is calculated on a $150,000 loan over 25 years based on monthly repayments. WARNING: Comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Each loan application is subject to our standard credit assessment and approval criteria. Fees and charges may apply. Information on our terms and conditions,interest rates and fees and charges are available upon request. Police Financial Services Limited ABN 33 087 651 661 -trading as BankVic | AFSL and Australian Credit Licence 240293. 

Key facts sheet

You can also request a home loan key facts sheet which will highlight important information such as the total amount that you need to repay over the life of your loan.

Fees & charges

Refer to Fees & Charges (PDF) for information on current fees & charges.

Apply now

4 easy ways to apply

Before you apply...

We recommend that you read our Credit Guide (PDF).

As an AFSL holder, BankVic sells general insurance products under an agreement with Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Terms, conditions, limits and exclusions apply. If you purchase insurance we will receive a commission that is a percentage of the premium. Information on our terms & conditions, interest rates and fees & charges are available on request.

BSB: 704-230

Police Financial Services Limited - ABN 33 087 651 661
AFSL 240293 Australian Credit Licence 240293
General Enquiries 13 63 73
Copyright 2017