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Enjoy the stability of our fixed rate home loan

Budget with confidence as your repayments are locked in for the life of your fixed rate period.

Award-winning loans

3 Year Fixed (Special)

5.34

p.a

Rates from*+

5.49

p.a

Comparison rate*

Split with variable rate
Up to $10,000/yr extra repayment/year
90 day rate lock option available^{*^}
No monthly or ongoing fees
Access your account via Smart Money app

Do I Qualify?

Our Google Rating

4.5

611 reviews

Why choose a Fixed Rate Home Loan?

Lock in your home loan rate

Fix your home loan rate and guarantee your rate won't change from application to settlement.

Budget with confidence

Managing your money is easier with the same rate and repayments locked in for up to 5 years.

Multiple repayment options

Weekly, fortnightly or monthly repayment options available including five years interest-only.

Zero monthly or ongoing fees

You won't pay any monthly or ongoing fees on your fixed rate home loan.

Owner Occupier Rates

Repayment Type

Principal & Interest Interest Only

Maximum LVR of 90%

Product	Interest rate from	Comparison rate
1 Year Fixed	5.69% p.a.*+	5.56% p.a.*
2 Year Fixed	5.59% p.a.*+	5.55% p.a.*
3 Year Fixed (Special)	5.34% p.a.*+	5.49% p.a.*
4 Year Fixed	5.89% p.a.*+	5.68% p.a.*
5 Year Fixed	5.64% p.a.*+	5.62% p.a.*

Maximum LVR of 80%

Product	Interest rate from	Comparison rate
1 Year Fixed	6.09% p.a.*+	5.59% p.a.*
2 Year Fixed	5.99% p.a.*+	5.63% p.a.*
3 Year Fixed	6.04% p.a.*+	5.68% p.a.*
4 Year Fixed	6.29% p.a.*+	5.81% p.a.*
5 Year Fixed	6.39% p.a.*+	5.93% p.a.*

Key Features

Up to 30 years loan term	Yes
Available for refinance or purchase	Yes
Flexible repayment options	Yes

Fees

Application fee	$0
Ongoing fees	$0
Security assessment fee	$230^##
Government fees	At cost
Settlement fee	$300
Optional rate lock fee	$350*^

Fixed rate special home loan eligibility

Do I Qualify?

Alex

Verified review

Alex

Verified review

Meet Alex, one of our awesome home loan customers who asked us for help to downsize his home and reduce his mortgage.

Even though we had a big deposit from the sale of an earlier home which had doubled in price, after 12 hikes the rising repayments on the new home became too much.
Our existing loan was with loans.com.au, and they had a very competitive interest rate, so we spoke to them and arranged finance for our new, more affordable home.

Read story

Customer reviews

Our Google Rating

4.5/5

611 reviews

Carolyn G.

5/5

19 Jun 2025

“ What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything. „

Vishal K.

5/5

18 Jun 2025

“ The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended. „

Brian S.

5/5

17 Jun 2025

“ The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND! „

Simon L.

5/5

16 Jun 2025

“ I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services! „

Our home loan application process

Apply Online

Complete your application through our online platform.

Apply Online

Upload & Track

Submit your documents and monitor your application in real time via our onTrack portal.

Speak to our Specialist

Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.

Approval & Signing

Review and sign your mortgage documents and loan agreement via onTrack.

Settlement

Your loan settles, which means your funds will be ready.

Manage Your Loan

You'll receive your login details to manage your repayments and account details via our Smart Money app.

Frequently asked questions

How long can I fix my home loan interest rate for?

You can choose to fix your home loan interest rate for a set period, typically between one and five years. This can help provide certainty around your repayments during that time. The available fixed terms may vary depending on the loan product you choose.

Will my interest rate be affected by rate increases?

No, the interest rate on a fixed rate loan doesn't change over your fixed period, so you'll know how much you need to pay each month and not be affected by any interest rate increases. There are limits to the amount of extra repayments you can make, and you cannot access additional repayments until the fixed term has ended.

How can I get a split loan?

A split loan means that a portion of the loan is subject to fixed home loan rates and a portion is subject to a variable interest rate. For instance, you might fix 50 per cent of the loan, and leave 50 per cent variable. This means that if rates go up, your repayment will only increase on the variable portion, while the other half will remain the same. A split loan is a compromise between the pros and cons of fixed and variable interest rate loans.

What is a rate lock?

A rate lock is an option we offer prior to the settlement of your loan, where we will ‘lock’ in the fixed rate you have applied for. A rate lock period is typically offered for 90 days and rate lock fee of $350 is applicable. Rate lock is required for 5 year fixed loans. During the rate lock period, we will hold your fixed rate for you while your loan application proceeds to settlement, giving you peace of mind if fixed rates change, you will be guaranteed your applied for rate.

What happens at the end of the fixed rate term?

At the end of your fixed rate period, your loan will revert to a standard variable rate and product automatically. It is at this time you will have the option to remain variable, or re-fix your loan on a new fixed rate and term.

Home Loan FAQs