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Mortgage Specialists for over 20 Years

Advantage Plus 3 Year Fixed Rate at 4.63%p.a. comparison rate 5.00%

Enjoy having the peace of mind knowing exactly what your monthly repayment will be for the next 3 years!

Key Features


Unique Features of our Advantage Plus fixed rate product


Most lenders only offer their borrowers a 100% offset savings account with their variable rate home loans. If fixed rates are low and borrowers want to lock in the rate, the benefits of the offset are effectively cancelled. With our 100% Offset product, you can have the account variable or fixed and still receive the same benefits.


Most lenders including the major banks require a rate lock fee to hold the fixed rate from the time your loan is approved until it settles.


Once in fixed rate the major banks generally do not allow you to make additional lump sum repayments of principal unless you pay a break cost penalty on the amount repaid.


Some lenders do make you change products when converting to a variable rate after the fixed rate has expired which can attract fees and charges. With the Advantage Plus product you have the ability to re-fix or convert to a variable rate without accruing any further costs.


Austral Mortgage Testimonials

"I really must compliment the whole team there at Austral, everyone is so helpful and has enough knowledge to cover each other in an absence, it is very refreshing"
Jenny, NSW

“Many thanks for your exceptional help. Everything you did for me was without hesitation. Austral went beyond the normal level of service. My anxiety was overcome due to your efforts once again.”
Cindy, NSW

Click here to see our other fixed and variable loan products

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