Home loan · 3yr Fixed
MORTGAGE FIXED
7.73%comparison rate p.a. · 6.49% advertised
3yr Fixed · P&I · Owner-occupier
64th of 73 3-year fixed owner-occupier P&I loans
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
- Yes
- Extra repayments
- Yes
- Application fee
- $800
- Ongoing fee
- None
- Discharge fee
- None
- 1yr Fixed · P&I · Owner-occupier
- 8.06% comparison · 6.59% advertised
- 1yr Fixed · P&I · Investor
- 8.08% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Investor
- 8.10% comparison · 6.89% advertised
- 2yr Fixed · P&I · Owner-occupier
- 7.91% comparison · 6.59% advertised
- 2yr Fixed · P&I · Investor
- 7.93% comparison · 6.69% advertised
- 2yr Fixed · Interest Only · Investor
- 7.97% comparison · 6.89% advertised
- 3yr Fixed · P&I · Owner-occupier
- 7.73% comparison · 6.49% advertised
- 3yr Fixed · P&I · Investor
- 7.76% comparison · 6.59% advertised
- 3yr Fixed · Interest Only · Investor
- 7.83% comparison · 6.79% advertised
- Application fee
- $800
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $25,000
- MORTGAGE FIXED · 3yr Fixed · P&I · Owner-occupier
- RBA cash rate
No changes recorded for this product since tracking began on 11 November 2026.
Also from The Mac: FIRST HOME BUYERS OWNER OCCUPIED P&I 6.24% · LOW LVR OOC P&I 7.06% · LOW LVR HOME LOAN 7.36% · 2 YEAR DISCOUNTED BASIC VARIABLE LOAN OWNER OCCUPIED P&I 7.82% · BASIC VARIABLE LOAN 7.94% · MORTGAGE OFFSET 8.24%
As of 13 November 2026, the The Mac MORTGAGE FIXED's 3-year fixed owner-occupier P&I variant has a comparison rate of 7.73% (6.49% advertised), ranking 64th of 73 3-year fixed owner-occupier P&I loans. The product comes in 9 variants; the others are investor, interest-only and other fixed terms. From the provider's Consumer Data Right feed, refreshed nightly.