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Govt Low Dep 3yr Fixed Ooc PI
The Mac's Govt Low Dep 3yr Fixed Ooc PI is a home loan. The figures are the ones The Mac publishes under the Consumer Data Right today. The advertised rate last moved on 30 October 2026, up from 6.39% to 6.49%.
Advertised rate
6.49%
headline tier
Comparison rate
6.33%
as published
Last moved
+0.10pp
30 October 2026
Advertised rate, last 30 days. Between 6.39% and 6.49% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 3 years, Owner occupier, P&I | 6.49% | 6.33% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Application feeupfront | $400 |
| Application fee top upupfront | $300 |
| Collection feeper cash advance: At cost fee | see lender |
| Default noticesupfront | $55 |
| General consent feeupfront | $150 |
| Legal feeper cash advance: At cost | see lender |
| Mortgage discharge feeupfront | $200 |
| Ppsr registration feeupfront | $15 |
| Ppsr variation feeupfront | $10 |
| Production of title deed feeupfront | $150 |
| Switching feeupfront | $50 |
| Valuation feeper cash advance: Valuation charged at cost | see lender |
Other The Mac home loans
2 Year Discounted Basic Variable Loan Owner Occupied P&I 6.17%First Home Buyers Owner Occupied P&I 6.17%Govt Low Dep Variable Ooc PI 6.17%Mortgage 3yr Fixed Owner Occupied P&I 6.49%Govt Low Dep 1yr Fixed Ooc PI 6.59%Govt Low Dep 2yr Fixed Ooc PI 6.59%Mortgage 1yr Fixed Owner Occupied P&I 6.59%Mortgage 2yr Fixed Owner Occupied P&I 6.59%Mortgage 3yr Fixed Investor P&I 6.59%Mortgage 1yr Fixed Investor P&I 6.69%Mortgage 2yr Fixed Investor P&I 6.69%Mortgage 3yr Fixed Investor IO 6.79%
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