You are more confident when you know your bottom line
Fixed repayments on your home loan allow you to budget for the future. You know exactly how much you need to repay on a monthly basis. Protect yourself against rising interest rates and make long-term budgeting a lot easier with an Encompass fixed rate home loan.
Our fixed rate home loans can be locked in for periods of one to five years – meaning that they are guaranteed not to change during this time. At the end of the fixed rate period, the interest rate reverts to the Standard Variable Rate or you can ask us to fix a rate for another period.
So, whether you’re buying your first home or your next home, building or renovating, investing or refinancing, get it right the first time. Come in and talk to our mortgage specialists TODAY. With our great product features, competitive rates and home loan expertise your choice of home lender just got a lot easier.
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Fixed terms for 1, 2, 3 and 5 years |  |
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Additional repayments can be made at any time | |
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Redraw facility available for advance payments | |
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Fixed repayments for the term selected | |
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No transaction fees for the life of your home loan^ | |
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No monthly account keeping fees |
| Key Features | |
| Variable interest rate | View our interest rates |
| Minimum amount | $0 |
| Maximum amount |
$1,000,000 |
| Loan period | Up to 30 years |
| Repayments | Monthly / Fortnightly / Weekly |
| Interest charges | Calculated daily, charged monthly |
| Monthly account keeping fees | No |
| Annual fees | No |
| Flexible and lump sum repayments | Yes |
| Split with other loans | Yes |
| Loan repayment insurance available | Yes |
| Early repayments fees | Yes |
| Establishment fee | $350 |
| Pre-approved $5,000 Visa Credit Card+ | Yes |
| Pre-approval - we can approve your loan in advance | Yes |
| Free mobile lending service** | Yes |
| No transaction fees for the life of your home loan^ | Yes |
| Redraw facility |
Yes (Our Banking System will automatically hold 1 (one) repayment in advance) |
More Information
- Read the benefits of our Mobile Mortgage Lending Service
- Read the benefits of our Home Loans
- Need answers? Read our list of FAQs
- Use one of our Loan Calculators to work out what loan is right for you
Apply
Apply for a Home Loan 
Questions?
If you have any questions, please contact us 
+Terms, conditions, fees, charges and credit criteria apply.
**This service is available in metropolitan Sydney, Newcastle and the Hunter region
^The 'no transaction fees' offer only applies to accounts held in the same membership number in which the mortgage is held. This offer is not available to memberships with Commercial Loan accounts. Fees charged by a third party supplier will still be payable. See our Fees and Charges for full details. Excludes any non-value ATM/EFTPOS fees. Fee exemption does not apply to fees and charges applied directly to accounts by other parties or institutions. *Rate fixed for 1 year. Comparison rates (CR) calculated on a loan amount of $150,000 over a term of 25 years. WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or 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. A comparison rate schedule is available on the Encompass website. Rates effective 11 November 2009 and subject to change at Credit Unions discretion. Fees, charge, terms & conditions apply.
