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Provides you with the peace of mind that comes from knowing that your rate and payment remain the same for a fixed period of time.
3.69% pa
1 year fixed interest rate1
4.53% pa
comparison rate2
3.59% pa
2 year fixed interest rate1
4.27% pa
comparison rate2
3.49% pa
3 year fixed interest rate1
4.19% pa
comparison rate2
3.99% pa1
5 year fixed interest rate1
4.27% pa2
comparison rate2
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Fixed rate at your choice of 1, 2, 3, or 5 years
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Flexible repayments to suit your income cycle
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Competitive interest rates
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Redraw available on additional repayments made
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Pay as much off the loan as you like as long as you do not repay the loan in full. Note: Fees may apply, if over a 12 month period, $30,000 or more is repaid over and above schedued repayments amounts.
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Our fixed interest home loans are fixed for the term specified after which the interest rate reverts to the Horizon Basic Home Loan standard variable rate.
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1 Fixed rate reverts to our Basic Home Loan rate after fixed term period.
2 The comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. WARNING: These comparison rates are 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. All loans are secured. Fixed interest rate home loans are fixed for the term specified in the Offer and Loan Contract after which the interest rate will revert to the Basic Home variable interest rate applicable at the time. The standard variable rate is published at each Credit Union branch. Terms and Conditions, fees and charges apply and are available on request.
3 Break cost may apply, if over a 12 month period, $30,000 or more is repaid over and above scheduled repayment amounts.
4 Early payout fee is payable if you payout your loan before the end of its fixed interest rate period.
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| Fixed Rate Home Loan |
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| Interest rate | | Fixed interest rate | 3.69% pa1 | | Comparison rate | 4.53% pa2 | | 1 Year Fixed | | 1 Year Fixed Interest Rate | 3.69% pa1 | | 1 Year Fixed Comparison Rate | 4.53% pa2 | | 2 Years Fixed | | 2 Year Fixed Interest Rate | 3.59% pa1 | | 2 Year Fixed Comparison Rate | 4.27% pa2 | | 3 Years Fixed | | 3 Year Fixed Interest Rate | 3.49% pa1 | | 3 Year Fixed Comparison Rate | 4.19% pa2 | | 5 Year Fixed | | 5 Year Fixed Interest Rate | 3.99% pa1 | | 5 Year Fixed Comparison Rate | 4.27% pa2 | | Features | | Minimum Amount | $50,000 | | Maximum amount | 80% of property value. 95% of property value with mortgage insurance. | | Loan period | Up to 30 years | | Redraw facility | Yes | | Minimum redraw amount | $500 | | Repayments | Weekly, fortnightly or monthly | | Interest | Calculated daily, charged monthly | | Variable and lump sum repayments | Yes3 | | Offset account | Yes | | Top up facility | No | | Fees | | Establishment fee | $350 | | Administration fee | $0 | | Redraw fee | $0 | | Partial Break Cost | Yes3 | | Early Payout Fee | Yes4 |
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