117 Lava St Warrnambool, Vic 3280
Fixed Rate Home Loans
Our Fixed Rate Home Loan can give you the certainty of a fixed interest rate, and the peace of mind of knowing your repayments won't change during the fixed period.
Things to consider
What happens if I repay the loan or switch to another loan before the end of my fixed term?
With a fixed rate loan, you need to know that if you repay the loan or switch to another one before the end of your fixed term, or make early or additional repayments, you may have to pay Break Cost Fees (which may be very large). Fixed rate loans aren't for everyone.
Can't decide between variable and fixed?
If you'd like the benefits of a variable rate home loan but would still appreciate the certainty of a fixed rate home loan, you could get the best of both worlds by splitting your loan. Some customers choose to split their home loan between the two: 50-50, 60-40 or some other ratio, it's up to you.
Package your loan
Package your home loan, transaction account and savings account and enjoy a range of features and discounts.
- No monthly account keeping fees
- No Loan Establishment fee
- Free Redraw
- Up to 1.10% p.a. discount on Standard Variable Home Loan rate
- 20% off our range of QBE Insurance Products
- View our Interest Rates
- Check out our Fees & Charges
- Want to know how much you could borrow? Use one of our Loan Calculators
- Read our tips on buying a home
- Learn about our Mobile Lending Service
- Request a Home Loan Key Facts Sheet
All applications for credit are subject to SWC’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the Terms and Conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product.
1 The fixed rate is set at drawdown (not at the time of application), but if you're keen to secure the current fixed rate, you can do this by paying a Lock Rate Fee of $350 when you apply. It's available on loans of up to $1,000,000 for 1 to 5 year loans, and is valid for 90 days from your application.
2 Annual Package fee of $275 applies for the life of the loan
3 Annual Package fee of $350 applies for the life of the loan
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