Lock in a low fixed rate

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

  • 3.89%
    fixed rate p.a.*
  • 3.71%
    comparison rate p.a.*

Why choose a fixed loan?

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.
  • 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.

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. 

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.

Online doesn't mean impersonal, let's talk!

Brodie has been with loans.com.au for over four 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. Call 7am - 7pm Monday to Friday.

arrange a call

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.

view brochure

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

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

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. 

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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