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Fixed Rate

Fixed rate home loans for periods up to 5 years,

Fixed Rate

Fixed Rate Loans

Fixing the interest rate on your loan can help you plan your long term finances. A fixed rate loan means your repayments are not affected by interest rate changes during the period that you have it fixed.

WAW can provide fixed rate loans for 1,2,3,4 or 5 year periods for home or residential investment properties. At the conclusion of the fixed rate period the loan reverts to the either the Owner Occupied Standard Variable or Investment Standard Variable Rate as appropriate.

  • Competitive fixed interest rates.
  • Periods up to 5 years available.
  • Available for Owner Occupied or Residential Investment properties.
  • Eligible for new loans or refinancing of existing loans.
  • Borrow up to 95% of the value of home with Mortgage Insurance or 80% without Mortgage Insurance.
  • Access to redraw facilities.
  • Zero monthly or annual account keeping fees.
  • No restrictions on making extra repayments.
  • Assistance with applying for the Government First Home Buyers Grant where relevant .
  • Eligible for inclusion in the WAW Customer Benefit Program.
Owner Occupied 1 year fixed rate 3.90% p.a.
Comparison rate* 4.88% p.a.
Owner occupied 2 year fixed rate 3.95% p.a.
Comparison rate* 4.80% p.a.
Owner occupied 3 year fixed rate 3.95% p.a.
Comparison rate* 4.72% p.a.
Investment 1 year fixed rate 4.05% p.a.
Comparison rate* 5.48% p.a.
Investment 2 year fixed rate 4.20% p.a.
Comparison rate* 5.37% p.a.
Investment 3 year fixed rate 4.20% p.a.
Comparison rate* 5.25% p.a.

Download our current Loan Interest Rate and Fees Schedule here

*Terms and conditions apply. At the end of the fixed rate period, without further changes, the interest rate automatically reverts to the relevant standard variable rate. The comparison rate is based on a loan of $150,000 over 25 years. Different amounts and terms will result in different comparison rates. Costs such as redraw and early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

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. 


Loan Application fee

Owner Occupied/Residential Investment   $600.00
Increase fee   $300.00
Guarantees Facility Application fee $400.00
  Each guarantee $100.00
  Half yearly service fee - 0.50% of facility limit Min. $50.00
Redraw Facility Fee (per redraw)    

Other Fees

Product / Rate Switching   $600.00
Substitution of Property Mortgage   $300.00
Bill of Sale / Goods Mortgage - Registration / Variation   At Cost
Mortgage Insurance   At Cost
Legal Fees, Valuations, Surveys, Settlement Fees   At Cost
Bundled Home Loan Default Fee   $200.00
Titles & Related Fees Discharge of Mortgage Costs + $400.00
Production or Consideration Fee   Costs + $50.00
Photocopy   $5.00
Title or Final Notice   At Cost
Overdraft Annual Facility Fees Personal $25.00
How To Apply

If you are interested in applying for this loan please click on the link below to fill out our online enquiry form with your name, contact details and the product you are interested in. One of our dedicated loans staff will contact you to further the application process.

Alternatively, you can contact us on 1300 368 555 and ask to speak to one of our home loan specialists.

Enquire Now