LCA - FAQ - How long can I fix for?

At loans.com.au, we offer fixed terms ranging from 1 - 5 years.

LCA - FAQ - Will my interest rate go up?

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.

LCA - FAQ - 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.

LCA - FAQ - 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.

LCA - FAQ - What documents will I need to provide to apply?

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)

LCA - FAQ - How much deposit do I need to have?

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.

LCA - FAQ - How do I apply for a home loan?

If you're thinking about buying property, applying for a home loan can be seamless from start to settlement. One simple online application can tell you how much you can borrow, give you pre-approval and help you track your application progress all the way to ownership. To learn more, click here .

LCA - FAQ - How long does it take to get to settlement?

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.

LCA - FAQ - How do I manage my payments after settlement?

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.

LCA - FAQ - What are the settlement fees?

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

LCA - FAQ - Do you have a 'refer a friend' program?

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us! For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000. For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

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.

Multi-award winning

3 Year Fixed (Special)

5.69

p.a

Rates from*+

5.95

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

476 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.

A fixed rate home loan that gives you budget confidence

Here’s your new offer

Home Loan Rates

Principal & interest	Interest Rate:	Comparison Rate:	Max LVR:
1 Year Fixed	6.09% p.a.*+	6.05% p.a.*	90%
2 Year Fixed	5.99% p.a.*+	6.04% p.a.*	90%
3 Year Fixed (Special)	5.69% p.a.*+	5.95% p.a.*	90%
4 Year Fixed	6.19% p.a.*+	6.11% p.a.*	90%
5 Year Fixed	5.84% p.a.*+	5.99% p.a.*	90%

Interest only	Interest Rate:	Comparison Rate:	Max LVR:
1 Year Fixed	6.49% p.a.*+	6.09% p.a.*	80%
2 Year Fixed	6.39% p.a.*+	6.11% p.a.*	80%
3 Year Fixed	6.39% p.a.*+	6.14% p.a.*	80%
4 Year Fixed	6.59% p.a.*+	6.24% p.a.*	80%
5 Year Fixed	6.59% p.a.*+	6.31% p.a.*	80%

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

Repayments	Frequency	Weekly, monthly or fortnightly
	Estimated repayments	$2,899 per month.^# The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest.

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

Home Loan Rates

P&I

1 Year Fixed	Interest Rate: 6.09% p.a.*+
	Comp Rate: 6.05% p.a.*
	Max LVR: 90%

2 Year Fixed	Interest Rate: 5.99% p.a.*+
	Comp Rate: 6.04% p.a.*
	Max LVR: 90%

3 Year Fixed (Special)	Interest Rate: 5.69% p.a.*+
	Comp Rate: 5.95% p.a.*
	Max LVR: 90%

4 Year Fixed	Interest Rate: 6.19% p.a.*+
	Comp Rate: 6.11% p.a.*
	Max LVR: 90%

5 Year Fixed	Interest Rate: 5.84% p.a.*+
	Comp Rate: 5.99% p.a.*
	Max LVR: 90%

IO

1 Year Fixed	Interest Rate: 6.49% p.a.*+
	Comp Rate: 6.09% p.a.*
	Max LVR: 80%

2 Year Fixed	Interest Rate: 6.39% p.a.*+
	Comp Rate: 6.11% p.a.*
	Max LVR: 80%

3 Year Fixed	Interest Rate: 6.39% p.a.*+
	Comp Rate: 6.14% p.a.*
	Max LVR: 80%

4 Year Fixed	Interest Rate: 6.59% p.a.*+
	Comp Rate: 6.24% p.a.*
	Max LVR: 80%

5 Year Fixed	Interest Rate: 6.59% p.a.*+
	Comp Rate: 6.31% p.a.*
	Max LVR: 80%

Key Features

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

Repayments

Frequency	Weekly, monthly or fortnightly
Estimated repayments	$2,899 per month.^# The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest.

Fees

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

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4.5 476 reviews

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It's fast & easy to get a loan with loans.com.au

Apply online

Simply fill out your loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Apply Online

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Real humans based in Brisbane, Australia

As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track.

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Enjoy the stability of our fixed rate home loan

3 Year Fixed (Special)

Why choose a Fixed Rate Home Loan?

Work out your home loan repayments

Your loan details

Variable Home Loan

A fixed rate home loan that gives you budget confidence

Here’s your new offer

P&I

IO

Fixed rate special home loan eligibility

"We found that loans.com.au still had a very competitive rate and we were happy with the service"

Join our other customers

Our Google rating

As seen on...

It's fast & easy to get a loan with loans.com.au

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Frequently asked questions

How long can I fix for?

Will my interest rate go up?

How can I get a split loan?

What is a rate lock?

Related content

What is a home loan rate lock?

What documents will I need to provide to apply?

How much deposit do I need to have?

Related content

How much deposit do I need for a home loan?

How do I apply for a home loan?

How long does it take to get to settlement?

Related content

What is Property Settlement?

How do I manage my payments after settlement?

What are the settlement fees?

Related content

Complete guide to home loan fees

Do you have a 'refer a friend' program?

Real humans based in Brisbane, Australia

Smart friends

Real Good Rewards

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