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Fixed Rate Loan

Lock in a low rate for your peace of mind

  • 1, 2 or 3 year fixed term
  • No monthly or ongoing fees
  • Option to split with low variable rate
DO I QUALIFY?

Why choose a fixed loan?

If you don’t like the uncertainty of a variable rate, the fixed rate is a great option to give you peace of mind.

The rate is fixed but your options aren’t. Choose either a 1, 2 or 3 year term and consider the ways you can get the best out of our low fixed rates.

For flexibility, you also 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 rate cuts.

Get started

Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.

Either way, we can settle your loan quickly so you can start saving thousands sooner.

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Book a time that suits you to chat with a lending specialist.

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Ready to apply or want pre-approval?

Call us on 13 10 90 or simply start your application online.

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Our Super Low Fixed Rates

 

Owner Occupier

Investor

Fixed rate term

Fixed Rate

Comp Rate*

Fixed Rate

Comp Rate*

1 Year

2.29%

2.85%

2.49%

2.98%

2 Year

2.45%

2.83%

2.65%

2.96%

3 Year

2.59%

2.83%

2.79%

2.97%

Owner Occupier

Fixed Rate

2.29%

Comp Rate*

2.85%

Investor

Fixed Rate

2.49%

Comp Rate*

2.98%

Owner Occupier

Fixed Rate

2.45%

Comp Rate*

2.83%

Investor

Fixed Rate

2.65%

Comp Rate*

2.96%

Owner Occupier

Fixed Rate

2.59%

Comp Rate*

2.83%

Investor

Fixed Rate

2.79%

Comp Rate*

2.97%


Want to see more home loan options? Compare our home loans

Top reasons to choose this loan

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Rate lock option
available

Ensure your interest rate doesn’t change in the period between application and settlement

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Interest Only option
available

Lower your monthly repayments and manage your expenses

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Weekly, fortnightly &
monthly repayments

Available repayment options with up to five years interest-only

$0

Application fee

As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.

$0

Ongoing fees

No recurring monthly or annual fees helps save you thousands over the life of your loan.

$0

Fees for Additional Repayments

We don’t charge fees for additional repayments up to $10,000 per fixed rate year, so you can pay your loan off sooner.

VIEW ALL FEATURES

Calculate your home loan repayments.



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DO I QUALIFY?
Calculator Assumptions
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Borrowing power

Calculate how much you can borrow in under 5 minutes. Simply fill in your income, expenses to estimate how much you can borrow for your home.
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Stamp duty

Use this calculator to determine how much stamp duty you'll need to pay. Simply enter your location and the value of your home.

Our online loan application process

At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement.

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Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.

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Goodbye paperwork!

Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.

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Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

HOME LOAN PROCESS

Frequently asked questions

At loans.com.au, you can fix for a period of 1, 2 or 3 years. If you would like to discuss options to fix for a longer period of time, please speak to one of our friendly lending specialists.
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.
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.
A rate Lock ensures your interest rate doesn’t change in the period between application and settlement.
There are a few documents you’ll need to provide in your home loan application. Some of these include:

  • Two (2) most recent consecutive payslips for each applicant
  • Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
  • Evidence of Salary Sacrifice or Packaging (if applicable)
  • Evidence of Company Vehicle/Car Allowance (if applicable)
  • Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)
If you are an employee, you'll need to supply a couple of recent consecutive payslips to confirm your income and employment. You will also need to provide up to three months’ worth of bank statements showing your salary paid by your employer and other income. An internet transaction history will generally do.

If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.

If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing.

To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
You can see if you prequalify for your home loan using this link: https://www.loans.com.au/pre-qualify/ Once you have completed this, we can generally get preliminary approval to you within 48 hours.
The settlement process is different depending on each individual applicant’s personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.
We charge a $300 settlement fee plus a valuation fee. The valuation fee for a standard property in a metropolitan area in a major city starts at $220 for properties valued up to $1 million. The valuation fee is not refundable and is payable when the valuation is ordered.
After settlement, you’ll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.
We sure do! Introduce someone to loans.com.au and we'll give you a $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.

You can refer as many people as you like!
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At loans.com.au, we help people into their dream homes and cars.

For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.

Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.

loans.com.au is completely safe and financially backed by Firstmac, Australia’s 13th largest lender. Firstmac has been operating successfully for more than 40 years, and has $13 billion in mortgages under management, as Australia’s leading non-bank lender.

We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

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