Fixed Rate Home Loan

As of 18 September 2026, the Bank of Melbourne Fixed Rate Home Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 8.00% (6.89% advertised), ranking 44th of 49 5-year fixed owner-occupier P&I loans. The product comes in 55 variants; the others are investor, interest-only, other fixed terms and other LVR bands.

8.00%comparison rate p.a.

6.89% advertised · 5yr Fixed · P&I · Owner-occupier · ≤70% LVR

54 other variants: investor, interest-only, other fixed terms and other LVR bands below.

Go to Bank of Melbourne

Rate over time

Comparison rate · 5yr Fixed · P&I · Owner-occupier · ≤70% LVR

Fixed Rate Home Loan · 5yr Fixed · P&I · Owner-occupier
RBA cash rate

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates by variant

Comparison rate · advertised rate

1yr Fixed · P&I · Owner-occupier · ≤70% LVR: 8.59% comparison · 6.64% advertised
1yr Fixed · P&I · Owner-occupier · 70–80% LVR: 8.69% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 80–95% LVR: 8.99% comparison · 7.04% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR: 8.63% comparison · 6.99% advertised
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 8.73% comparison · 7.09% advertised
1yr Fixed · P&I · Investor · ≤70% LVR: 9.11% comparison · 6.74% advertised
1yr Fixed · P&I · Investor · 70–80% LVR: 9.21% comparison · 6.84% advertised
1yr Fixed · P&I · Investor · 80–95% LVR: 9.51% comparison · 7.14% advertised
1yr Fixed · Interest Only · Investor · ≤70% LVR: 9.12% comparison · 6.84% advertised
1yr Fixed · Interest Only · Investor · 70–80% LVR: 9.22% comparison · 6.94% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR: 9.52% comparison · 7.24% advertised
2yr Fixed · P&I · Owner-occupier · ≤70% LVR: 8.37% comparison · 6.54% advertised
2yr Fixed · P&I · Owner-occupier · 70–80% LVR: 8.46% comparison · 6.64% advertised
2yr Fixed · P&I · Owner-occupier · 80–95% LVR: 8.76% comparison · 6.94% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR: 8.44% comparison · 6.89% advertised
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 8.54% comparison · 6.99% advertised
2yr Fixed · P&I · Investor · ≤70% LVR: 8.83% comparison · 6.64% advertised
2yr Fixed · P&I · Investor · 70–80% LVR: 8.93% comparison · 6.74% advertised
2yr Fixed · P&I · Investor · 80–95% LVR: 9.22% comparison · 7.04% advertised
2yr Fixed · Interest Only · Investor · ≤70% LVR: 8.86% comparison · 6.74% advertised
2yr Fixed · Interest Only · Investor · 70–80% LVR: 8.95% comparison · 6.84% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR: 9.25% comparison · 7.14% advertised
3yr Fixed · P&I · Owner-occupier · ≤70% LVR: 8.23% comparison · 6.74% advertised
3yr Fixed · P&I · Owner-occupier · 70–80% LVR: 8.33% comparison · 6.84% advertised
3yr Fixed · P&I · Owner-occupier · 80–95% LVR: 8.62% comparison · 7.14% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR: 8.34% comparison · 7.09% advertised
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 8.44% comparison · 7.19% advertised
3yr Fixed · P&I · Investor · ≤70% LVR: 8.65% comparison · 6.84% advertised
3yr Fixed · P&I · Investor · 70–80% LVR: 8.75% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 80–95% LVR: 9.04% comparison · 7.24% advertised
3yr Fixed · Interest Only · Investor · ≤70% LVR: 8.69% comparison · 6.94% advertised
3yr Fixed · Interest Only · Investor · 70–80% LVR: 8.79% comparison · 7.04% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR: 9.08% comparison · 7.34% advertised
4yr Fixed · P&I · Owner-occupier · ≤70% LVR: 8.13% comparison · 6.89% advertised
4yr Fixed · P&I · Owner-occupier · 70–80% LVR: 8.23% comparison · 6.99% advertised
4yr Fixed · P&I · Owner-occupier · 80–95% LVR: 8.52% comparison · 7.29% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR: 8.29% comparison · 7.29% advertised
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 8.39% comparison · 7.39% advertised
4yr Fixed · P&I · Investor · ≤70% LVR: 8.53% comparison · 7.04% advertised
4yr Fixed · P&I · Investor · 70–80% LVR: 8.63% comparison · 7.14% advertised
4yr Fixed · P&I · Investor · 80–95% LVR: 8.92% comparison · 7.44% advertised
4yr Fixed · Interest Only · Investor · ≤70% LVR: 8.58% comparison · 7.14% advertised
4yr Fixed · Interest Only · Investor · 70–80% LVR: 8.68% comparison · 7.24% advertised
4yr Fixed · Interest Only · Investor · 80–90% LVR: 8.97% comparison · 7.54% advertised
5yr Fixed · P&I · Owner-occupier · ≤70% LVR: 8.00% comparison · 6.89% advertised
5yr Fixed · P&I · Owner-occupier · 70–80% LVR: 8.09% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 80–95% LVR: 8.39% comparison · 7.29% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR: 8.19% comparison · 7.29% advertised
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 8.28% comparison · 7.39% advertised
5yr Fixed · P&I · Investor · ≤70% LVR: 8.37% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 70–80% LVR: 8.46% comparison · 7.14% advertised
5yr Fixed · P&I · Investor · 80–95% LVR: 8.75% comparison · 7.44% advertised
5yr Fixed · Interest Only · Investor · ≤70% LVR: 8.43% comparison · 7.14% advertised
5yr Fixed · Interest Only · Investor · 70–80% LVR: 8.53% comparison · 7.24% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR: 8.82% comparison · 7.54% advertised

Fees

Headline variant

Application fee: $600
Ongoing fee: $33 a month
Discharge fee: $350
Package annual fee: $395 a year
Redraw fee: None

Features

Headline variant

Offset account: No
Redraw: Yes
Extra repayments: Yes
Portable: Yes
Repayment holiday: Yes

Eligibility

Minimum loan: $10,000
Maximum loan: $2,000,000

About this product

Lock in a little certainty with a fixed interest rate for 1-5 years.

Compare all home loans