Bank Beater Fixed

Secure Your Savings with 4.71% p.a. for 1 Year

Want to lock in an incredibly low rate and still have the flexibility to make additional repayments?

Bank Beater Fixed Home Loan for 1 – 5 years, after the fixed period has expired your rate will revert to the Bank Beater Home Loan variable rate**. Plus we’ll even pay your application fee, valuation fee and lender’s legals saving you $935!

Apply Now

Obligation Free
Simple 3 step application
Select a call back time
A qualified consultant will call you
apply now

Plus to keep things simple it has no monthly or annual fees.

4.71% p.a. 1 Year Fixed Rate (5.06%* p.a. comparison rate)
Borrow up to 90%
Save $935 on set up costs
Stay Flexible with 50% Variable

    Bank Beater Basic Fixed – Key Features:

    1 Year Fixed: 4.71% p.a. | 5.05% p.a.* comparison rate
    2 Years Fixed: 4.84% p.a. | 5.07% p.a.* comparison rate
    3 Years Fixed: 5.06% p.a. | 5.14% p.a.* comparison rate
    4 Years Fixed: 5.35% p.a. | 5.27% p.a.* comparison rate
    5 Years Fixed: 5.59% p.a. | 5.42% p.a.* comparison rate
    How much can I borrow? Up to 90% of the property value (rate displayed based on 75% LVR)
    How much can I fix? Up to 100% of the loan. Rates displayed based on 50% fixed.
    Loan Amount: $250,000 – $1,000,000
    Rate Lock: You have the option to lock in the rate before settlement.
    Online Banking:
    Repayment Frequency: Weekly, Fortnightly, Monthly
    Loan Term: 15 – 30 years
    Available For: Owner-Occupied | Investment Property | NRAS approved | Refinance


    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a qualified home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now

    We’ll Do The Paperwork For You!

    You’ve got better things to do than try and sift through the paperwork of a loan application so we’ll make it quick and easy by completing the paperwork for you over the phone. All you’ll need to do is provide your documentation and sign on the dotted line!

    Fees & FreebiesOther Fees:Other government and legal fees may be payable, contact usfor details

    Application Fee: $0
    Valuation Fee: $330
    Lenders Basic Legal Fees: $275
    Annual and Monthly Fees: $345
    Title Insurance Fee: $132 (for loans under $600,000; higher for larger amounts)
    Getting our Consultants to do your paperwork: FREE
    Break Costs: May apply if loan is repaid during any fixed rate period


    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a qualified home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now


    We’ve Been Financing The Australian Dream Since 1989

    The care and service you’ll get as an Illawarra Home Loans customer is backed by over 20 years experience from directors David Underhill and Martin Anstee who have been helping people in the Illawarra and beyond with their finances since 1989.

    We’re Backed By The RMBS Program

    lllawarra home loans funding is supported by the Australian Government $16 billion RMBS program which gives us the flexibility of the big blokes with the care, experience and attention that you deserve.


    Request a Call Back

    Complete our short call back request form, select a time and day that suits you and a qualified home loan consultant will contact you to discuss your options.

    request a call back

    Apply For Pre-Approval

    Complete our simple 3 step online application
    select a call back time and day that suits you
    A qualified consultant will call you obligation free

    apply now


    *Comparison rates for an amount of $150,000 over 25 years. Conditions fees and charges apply to all loans. 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. The above information is a guide only. This loan allows you to fix up to a maximum of 50% of the loan. Rates shown based on 80% LVR. Any loan application made is subject to formal consideration at the discretion of the lender and Lenders Mortgage Insurer and no approval is implied from the above information. Other fees, terms and conditions may apply. Correct as at 26 August 2013.

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