Fixed Rate Home Loan

For those of you who like to know where you stand, our Fixed Home Loan provides the certainty of fixed interest and repayments for the term of your fixed period. You can choose to split a fixed loan and variable rate home loan for even greater flexibility.


rates (effective 15/05/15)

termannual percentage rate comparison rate* 
1 year fixed  4.55% 4.63%
2 year fixed 4.70% 4.65%
3 year fixed 4.75% 4.68%

Features and comparisons

  • - choose from 1, 2 or 3 year term

  • - free redraw

  • - additional repayments accepted up to $20,000 p.a. without a break fee

  • - choose from weekly, fortnightly or monthly repayments

  • - repayment pause

  • - bio-diversity offset

  • - no monthly fee

  • - 100% offset savings account available ($8 monthly fee)

  • - split between variable and fixed

  • - available as a package

Terms & conditions

* Comparison Rate. The Comparison Rate is based on a secured loan of $150,000 for 25 years. 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.
1. Terms, conditions, fees and charges apply and are available on application. Loans subject to normal lending criteria and approval.

2. Repayment Pause. Loans must be established for a full 12 months and a maximum Loan to Value Ratio of 90% (Family-Pause) or 80% (Eco-Pause) applies. Full conditions available from bankmecu.
3. bankmecu offsets an equivalent amount of land as is being constructed on into the bankmecu Conservation Landbank in accordance with the land management plan developed and implemented by Landcare Australia and overseen by Trust for Nature. Carbon sequestered from these trees is monitored and reported by Landcare CarbonSMART. Homes constructed on large lots of land such as hobby farms will be offset according to the amount of land occupied by the dwelling.

want to know more?

call bankmecu on 132 888 or email us at