Fixed Rate Home Loans - Loans.com.au

Fixed
Rates from

3.89%

Fixed rate p.a.*

3.75%

Comp rate p.a.*

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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

HANDY CALCULATORS

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

Flexible options

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

Split loan facility

Up to five free splits available
Combination of fixed rate or identical variable loan product^

Transaction facilities

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

Flexible options

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

Split loan facility

Up to five free splits available
Combination of fixed rate or identical variable loan product^

Transaction facilities

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

DOWNLOAD PRODUCT BROCHURE

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*

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*

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

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Calculators

Borrowing power

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

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Loan repayments

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

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Stamp duty costs

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

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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.