Fixed
Rates from
3.89%
Fixed rate p.a.*
3.75%
Comp rate p.a.*

Choose one of our fixed rates and lock in a great rate today.

 
  • Rate lock option available (guarantees the rate for 60 days)
  • Borrow up to 90% of your property value
  • Interest only option available when borrowing up to 80% of your property value


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Loan amount

$
 
Monthly repayments#
0,000  

Knowledgeable staff and fantastic rates

Friendly, fast response. Easy to get the questions I had answered. The staff are knowledgeable and rates are fantastic. Very happy with my new loan!

Melissa S.
2017
Berowra Heights, NSW


 

Why choose fixed rate home loans?

Flexible options

  • 1, 2 or 3 year fixed terms available to lock in a great low rate and gain peace of mind.
  • The rate is fixed but the options aren’t. Choose your term and consider the ways you can get the best out of our low fixed rates.
  • For flexibility, you have the option of a split loan with a portion fixed and the rest on a variable rate. If this option is choosen, it will provide the certainty of a fixed rate, but let you enjoy the benefit of any rate cut, and still use 100% offset redraw facility against the variable portion of your loan to minimise your interest.

Added security
You can apply for Rate Lock to ensure your interest rate doesn’t change in the period between application and settlement.

Repayment options
Choose weekly, fortnightly, or monthly repayments with up to five years interest-only and, at the end of the fixed term, your interest rate reverts to our market-leading variable rate.

Property transfers
Best of all, your fixed rate home loan is transferrable from one property to the next without the need for a full application process. 

Product features

  • Rate lock option available (guarantees the rate for 60 days)
  • Borrow up to 90% of your property value
  • Interest only option available when borrowing up to 80% of your property value
  • Weekly, fortnightly and monthly repayment options
  • Up to five free splits available
  • Combination of fixed rate or identical variable loan product^
  • Option to make up to $10,000 in additional repayments per year
  • No monthly or ongoing fees
  • Reverts to Offset Variable after expiry
  • 24/7 unlimited access to your account online and by phone

Product Variations

 
Owner Occupier
Investor
Fixed Rate Term Interest Rate Comp rate* Interest Rate Comp rate*
1 year 3.89 % 3.75 % 4.09 % 4.09 %
2 year 3.99 % 3.78 % 4.19 % 4.11 %
3 year 4.19 % 3.84 % 4.39 % 4.16 %

1 year

Owner Occupier

3.89 Fixed rate*

3.75 Comp rate*

 

Investor

4.09 Fixed rate*

4.09 Comp rate*

2 year

Owner Occupier

3.99 % Fixed rate*

3.78 % Comp rate*

 

Investor

4.19 % Fixed rate*

4.11 % Comp rate*

3 year

Owner Occupier

4.19 % Fixed rate*

3.84 % Comp rate*

 

Investor

4.39 % Fixed rate*

4.16 % Comp rate*

Owner Occupier

3.89 Fixed rate*

3.75 Comp rate*

 

Investor

4.09 Fixed rate*

4.09 Comp rate*

Owner Occupier

3.99 Fixed rate*

3.78 Comp rate*

 

Investor

4.19 Fixed rate*

4.11 Comp rate*

Owner Occupier

4.19 Fixed rate*

3.84 Comp rate*

 

Investor

4.39 Fixed rate*

4.16 Comp rate*

Fees & costs

Our fees & costs
Monthly fee: $0
Annual fee: $0
Application fee: $0
Settlement fee: $300
Discharge fee: $300
Discharge documentation fee: $250
Government and third party costs
Valuation fee (may be higher in some cases): $220 or at cost
Government fees and charges at cost

A smarter way to get from loan application to settlement

At loans.com.au, we believe applying for a home loan should be a speedy and hassle free process. OnTrack allows you to quickly get your loan through to approval and settlement while we do the heavy lifting for you behind the scenes.

 

LEARN MORE

Calculators

Borrowing power

Find out how much you can borrow based on your income and expenses.

USE CALCULATOR

Loan repayments

Shows how your mortgage repayments will vary depending upon the size, interest rate and duration of your loan.

USE CALCULATOR

Stamp duty costs

Works out how much stamp duty you'll have to pay depending on the property’s value and location. 

USE CALCULATOR

Meet some of the team

Our friendly, Australian, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.
 

Our loan application process

Loans.com.au has revolutionised home lending through our end-to-end online application process which puts you back in control.

Using our unique process, you can progress your loan application at your own pace and your own convenience. Just follow the simple steps below to lock in a home loan with a super-low rate.

 

Complete your application

Login and upload your documentation

Speak to a loans.com.au lending specialist

Property valuation ordered

Access your account online

Settlement

Loan documentation delivered

Loan approved

Start your application

Login and upload your documentation

Speak to a loans.com.au lending specialist

Loan documentation delivered

Loan approved

Property valuation ordered

Settlement

Access your account online

 
 

Start your application

Login and upload your documentation


Speak to a loans.com.au lending specialist

Property valuation ordered

Loan approved

Loan documentation delivered

Settlement

Access your account online
 

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 178 reviews.
As rated by our settled customers

READ MORE REVIEWS

Simply the best
Simply the best value loans available in the market today.

Value for money: 5/5
Customer service: 5/5 Recommend to a friend?: Yes

Lance M. - Melbourne, VIC
June 23 2017

It was a painless journey
The whole process was painless and easy to manage. Would definitely recommend.

Value for money: 5/5
Customer service: 5/5 Recommend to a friend?: Yes

Ben M. - Evanston Park, SA
June 21 2017

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