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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.
 

	Fixed terms for 1, 2, 3 and 5 years
	Additional repayments can be made at any time
	Redraw facility available for advance payments
	Fixed repayments for the term selected
	No transaction fees for the life of your home loan^
	No monthly account keeping fees

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.