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
3.89% pa
interest rate1
4.33% pa comparison rate*
2 Years Fixed
3.89% pa
interest rate2
4.29% pa comparison rate*
3 Years Fixed
3.99% pa
interest rate3
4.28% 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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What documents do I need? |
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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
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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.
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| Intelligent Mortgage Fixed |
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| Interest Rates | | 1 Year fixed interest rate | 3.89% pa1 | | 1 Year fixed comparison rate | 4.33% pa | | 2 Year fixed interest rate | 3.89% pa2 | | 2 Year fixed comparison rate | 4.29% pa | | 3 Year fixed interest rate | 3.99% pa3 | | 3 Year fixed comparison rate | 4.28% pa | | Fees | | Establishment Fee | Valuation and mortgage preparation fees at cost | | 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 |
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