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Home loan · 2yr Fixed

Fixed Home Loan

Rate
Loan for
Repayments
Deposit

6.51%comparison rate p.a. · 6.49% advertised

2yr Fixed · P&I · Owner-occupier · ≤95% LVR

20th of 50 2-year fixed owner-occupier P&I loans

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The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$395
Compare all 311 home loans

1yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.51% comparison · 6.49% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
6.52% comparison · 6.59% advertised
1yr Fixed · P&I · Investor · ≤90% LVR
6.71% comparison · 6.64% advertised
1yr Fixed · Interest Only · Investor · ≤90% LVR
6.72% comparison · 6.74% advertised
2yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.51% comparison · 6.49% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
6.53% comparison · 6.59% advertised
2yr Fixed · P&I · Investor · ≤90% LVR
6.71% comparison · 6.64% advertised
2yr Fixed · Interest Only · Investor · ≤90% LVR
6.73% comparison · 6.74% advertised
3yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.57% comparison · 6.69% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
6.60% comparison · 6.79% advertised
3yr Fixed · P&I · Investor · ≤90% LVR
6.75% comparison · 6.79% advertised
3yr Fixed · Interest Only · Investor · ≤90% LVR
6.78% comparison · 6.89% advertised
4yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.60% comparison · 6.74% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
6.64% comparison · 6.84% advertised
4yr Fixed · P&I · Investor · ≤90% LVR
6.83% comparison · 6.99% advertised
4yr Fixed · Interest Only · Investor · ≤90% LVR
6.87% comparison · 7.09% advertised
5yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.64% comparison · 6.79% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
6.69% comparison · 6.89% advertised
5yr Fixed · P&I · Investor · ≤90% LVR
6.85% comparison · 6.99% advertised
5yr Fixed · Interest Only · Investor · ≤90% LVR
6.90% comparison · 7.09% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$395
Valuation fee
None

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

Minimum loan
$20,000
Maximum loan
$5,000,000

  • Fixed Home Loan · 2yr Fixed · P&I · Owner-occupier
  • RBA cash rate
5.006.00AugSepToday6.51% p.a. today
  1. Fixed IO Home Loan5 variants up 0.14 to 0.2314 days after the RBA rise to 4.60%
    All Interest Only · Owner-occupier · ≤90% LVR
    1yr Fixed6.296.52+0.23
    2yr Fixed6.336.53+0.20
    3yr Fixed6.426.60+0.18
    4yr Fixed6.486.64+0.16
    5yr Fixed6.556.69+0.14
    +0.14 to +0.23
  2. Investment P&I Fixed Home Loan5 variants up 0.14 to 0.2214 days after the RBA rise to 4.60%
    All P&I · Investor · ≤90% LVR
    1yr Fixed6.496.71+0.22
    2yr Fixed6.516.71+0.20
    3yr Fixed6.576.75+0.18
    4yr Fixed6.676.83+0.16
    5yr Fixed6.716.85+0.14
    +0.14 to +0.22
  3. Fixed P&I Home Loan5 variants up 0.14 to 0.2314 days after the RBA rise to 4.60%
    All P&I · Owner-occupier · ≤95% LVR
    1yr Fixed6.286.51+0.23
    2yr Fixed6.316.51+0.20
    3yr Fixed6.396.57+0.18
    4yr Fixed6.446.60+0.16
    5yr Fixed6.506.64+0.14
    +0.14 to +0.23
  4. Investment IO Fixed Home Loan5 variants up 0.14 to 0.2214 days after the RBA rise to 4.60%
    All Interest Only · Investor · ≤90% LVR
    1yr Fixed6.506.72+0.22
    2yr Fixed6.536.73+0.20
    3yr Fixed6.606.78+0.18
    4yr Fixed6.716.87+0.16
    5yr Fixed6.766.90+0.14
    +0.14 to +0.22
  5. Investment P&I Fixed Home Loan2 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All P&I · Investor · ≤90% LVR
    1yr Fixed6.476.49+0.02
    2yr Fixed6.466.51+0.05
    +0.02 to +0.05
  6. Fixed P&I Home Loan2 variants up 0.02 to 0.04a day after the RBA rise to 4.60%
    All P&I · Owner-occupier · ≤95% LVR
    1yr Fixed6.266.28+0.02
    2yr Fixed6.276.31+0.04
    +0.02 to +0.04
  1. Fixed IO Home Loan2 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All Interest Only · Owner-occupier · ≤90% LVR
    1yr Fixed6.276.29+0.02
    2yr Fixed6.286.33+0.05
    +0.02 to +0.05
  2. Investment IO Fixed Home Loan2 variants up 0.02 to 0.05a day after the RBA rise to 4.60%
    All Interest Only · Investor · ≤90% LVR
    1yr Fixed6.486.50+0.02
    2yr Fixed6.486.53+0.05
    +0.02 to +0.05

Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.

BCU Bank's Fixed Rate Home Loan offers you the peace of mind of a fixed interest rate for up to five years, while still allowing extra repayments up to $25,000 during the fixed period.

Also from BCU: OMG Home Loan 6.32% · Offset Home Loan 6.51% · Basic Loan 6.57% · Variable Home Loan 6.72%

As of 15 October 2026, the BCU Fixed Home Loan's 2-year fixed owner-occupier P&I variant has a comparison rate of 6.51% (6.49% advertised), ranking 20th of 50 2-year fixed owner-occupier P&I loans. The product comes in 20 variants; the others are investor, interest-only and other fixed terms. Its rate last moved on 14 October 2026, 14 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.