Fixed
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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
  • No monthly or ongoing fees

Loan amount

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Monthly repayments#
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Get started now and pre-qualify

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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% redraw offset 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.

Product Variations

 
Owner Occupier
Investor
Fixed Rate Term Fixed rate Comp rate* Fixed rate Comp rate*
1 year 3.94 % 3.76 % 4.14 % 4.37 %
2 year 3.99 % 3.78 % 4.33 % 4.38 %
3 year 4.29 % 3.86 % 4.49 % 4.42 %

1 year

Owner Occupier

3.94% Fixed rate*

3.76% Comp rate*

 

Investor

4.14% Fixed rate*

4.37% Comp rate*

2 year

Owner Occupier

3.99% Fixed rate*

3.78% Comp rate*

 

Investor

4.33% Fixed rate*

4.38% Comp rate*

3 year

Owner Occupier

4.29% Fixed rate*

3.86% Comp rate*

 

Investor

4.49% Fixed rate*

4.42% Comp rate*

Owner Occupier

3.94% Fixed rate*

3.76% Comp rate*

 

Investor

4.14% Fixed rate*

4.37% Comp rate*

Owner Occupier

3.99% Fixed rate*

3.78% Comp rate*

 

Investor

4.33% Fixed rate*

4.38% Comp rate*

Owner Occupier

4.29% Fixed rate*

3.86% Comp rate*

 

Investor

4.49% Fixed rate*

4.42% Comp rate*

Upfront 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

Purchase with Confidence

Designed for you to make your home loan journey quick, simple, and reliable.

Meet some of the team

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

Customer reviews

  • 4.9
  • Value for money Customer service

(Based on 246 reviews. As rated by our settled customers)

READ MORE

Happy how simple it was

The Team were great to deal with. They treated me like a partner and I really enjoyed the experience. Regardless of which team I spoke to - Sales or Customer Care - they quickly and efficiently picked up from each other. I really felt valued through the whole process. The website was easy to use, straight forward, hassle free, logical and simple.

- Stephen D. Shell Cove, NSW , May 29 2018

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

User friendly online process

Actually enjoyed the online process, was made very simple and user friendly. Had fantastic staff to deal with.

- Angela H. Kyabram, VIC , May 21 2018

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

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.

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LEARN MORE
 
Call us on
13 10 90
or
Request A Call
7am - 7pm, Monday to Friday. AEST
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