Yael,
we're on 5.2% for our home loan. We're with a credit union and there are no monthly fees for it, although we had to link it to our savings account with the same credit union and they have been charging a $2 per month fee for the savings account.
When we applied for our loan, we applied for a "first home buyers home loan" and there were no application fees at all, then we changed from that loan to our current loan and we paid $200 to switch it over. I think normally there is an application fee but I'm not sure how much it is. We can pay monthly, weekly or fortnightly, and we have a redraw facility where you can redraw as little as $1 or as much as the entire amount available in your redraw. We pay ours fortnightly, it just comes directly our of DH's pay and the credit union puts it straight into the home loan account.