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Lock in one of the sharpest home loan rates around
Take control with a competitive 3 year fixed rate, no ongoing fees, flexible repayment options and support from home loan experts who understand your goals, your lifestyle and what matters most to you.
Know what’s ahead with our
Three Year Fixed Rate Home Loan
Refinance today and lock in your repayments for three years with our competitive
fixed home loan rate. Get started below or get in touch to see how we can help.
Save more with no monthly or annual fees
Because we’re member-owned, our profits come back to you through lower rates and fees and better benefits for all.
Your dedicated lending manager is here to help
From hands-on help with your application to conditional approval within 72 hours, we’ll work hard to get you sorted with the loan that’s right for you.
Why choose us?
We understand the specific challenges and needs of being part of the Department of Home Affairs Family and associated community groups.
Our products and services have been designed to support you, your family and your community.
We’re all about you
We’ll do our best to support you. There are no external shareholders to influence the course of our activities.
We’re big on security and big on service
Just like the big banks, we need to meet the same high standards and protocols to ensure your banking is safe and secure. But unlike the big banks, we’re not here to make big profits. We’re here to help you reach your financial goals with service that's focused on your needs, not ours.
We offer competitive rates
Profits are returned to members in the form of better interest rates, products and services.
Ready to apply? Let’s get started
Apply now in 3 easy steps
01
Choose your loan
Find the loan that best suits you. We’ve made it fast and easy to tailor the loan with all the features that suit you best.
02
Save your application
Once you’ve lodged your application, we’ll review it to make sure it fits your needs and your budget. You can usually get conditional approval within 72 hours.
03
Any questions? Let’s talk
We’re here to help at every step.
Call us on 132 267 or ‘contact us’ button to send us a message.
We’ll get back to you shortly.
Want to talk?
Call us on 132 267
We’re here for you Monday to Friday, 8.00am to 6:00pm AEST.
FAQ
We’re here to help. If you can’t find the answer you’re looking for, click on the contact button to speak to us.
Ready to apply for a Home Loan?
From help with your application to conditional approval within 72 hours
Important Information
* Terms, conditions, fees, charges, eligibility and lending criteria apply.
- There is a Rate Lock in fee of $600.
- This rate applies to new fixed rate Owner Occupier Goldrate loans with an LVR up to 80% and a fixed principal and interest repayment.
- Interest rates are subject to change, and we may vary the rate offered at any time without prior notice to you. To find out our home loan rates please click here.
- ^The comparison rate is based on a loan of $150,000 over a 25-year term. 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.
- Lenders Mortgage Insurance (LMI) is applicable on all loans with an LVR of above 80%
- Early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change.