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:

Rates & fees


 Rate paComparison rate pa
1 year 3.92% 4.57%
2 year3.79% 4.52%
3 year4.02% 4.49%
4 year4.39% 4.58%
5 year4.39%4.57%
1 year4.29%5.16%
2 year4.29%5.10%
3 year4.34%5.02%
4 year4.74%5.16%
5 year4.74%5.15%

1 Fixed rates effective 1 July 2018.

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. Comparison rate for our home loan is based on a on a new loan for a property purchase secured by a freehold property located within the metropolitan area and associated costs. The rate has been calculated on a loan amount of $150,000 over a term of 25 years.

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).

Any advice has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice you should consider whether the advice is appropriate for you. Before you make any decision to acquire any product or service you should obtain and consider the relevant Product Disclosure Statement available on our website, at a branch or by calling 13 63 73. 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. Fees and charges apply. Interest rates are variable and subject to change. 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
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