Fixed

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

  • 3.89%
    fixed rate p.a.*
  • 3.74%
    comparison rate p.a.*

Low rates and flexible benefits

Choose from a 1, 2 or 3 year fixed term to lock in a great low rate and peace of mind.

For flexibility, you have the option of a split loan with a portion fixed and the rest on a variable rate.

That provides the certainty of a fixed rate, but lets you enjoy the benefit of any rate cut, and still use 100% offset redraw facility to minimise your interest.

Ask one of our experiences Lending Managers about our fixed rates options.

Online doesn't mean impersonal, lets talk!

Brodie has been with loans.com.au for over 4 years. As an experienced Lending Manager, Brodie can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Managers, like Brodie, to find the right low rate loan package for you.

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Why choose a fixed loan?

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.

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

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.

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

Fixed rate home loan features

  • Once the fixed period finishes your loan rolls over to our offset variable rate
  • Borrow up to 90% of your property value 
  • Up to five years interest only option available
  • Up to five free splits in fixed or variable
  • Available for purchase and refinance
  • Rate lock option available (guarantees the rate for 60 days)
  • Option to make $10,000 in additional repayments per year
  • Weekly, fortnightly and monthly repayment options
  • 24/7 unlimited access to your account online and by phone
  • Available on owner-occupied properties. Ask your lending manager about our investment loan rates.

Our awards

In 2016, loans.com.au has received 5 star ratings for our variable rate home loans from Canstar. We also were named the 2015 Home Lender of the year in Mozo's Expert Choice Award plus many others, including Money Magazine's Cheapest Home Loan - Non-bank two years in a row.

See all our awards

Fast track your application

If you're ready to move fast on your home loan, we can get you there with our speedy, hassle-free online application process.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.

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Receive a free loans.com.au property report

To help you find the perfect home, we’d like to give you a free loans.com.au Comparative Market Analysis (CMA) property report. Our reports provide a breakdown of information about the property you are considering, including previous sale prices. It also offers valuable information about the area, such as median house prices, recent sales figures, and the local community demographics.

Who is loans.com.au?

Loans.com.au is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products.

Since 2011 loans.com.au has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management. 

100% online means you save

Loans.com.au doesn’t have a branch network to maintain or mobile bankers to pay. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for you.

Driving industry change and operating wholly online means loans.com.au always has competitive rates, so you can be confident you are always ahead of the game.

Although we are a digital company, online doesn’t mean impersonal. You will be assigned a personal team of two, your Lending Manager and Service Manager, to help you throughout your application process. You will get to know your team well as they guide you towards your loan settlement day. This direct relationship is one of our key focuses.

Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

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