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)
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Split with variable rate
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Up to $10,000/yr extra repayment/year
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90 day rate lock option available*^
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No monthly or ongoing fees
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Access your account via Smart Money app
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
Repayment Type
Maximum LVR of 90%
Product | Interest rate from | Comparison rate |
---|---|---|
1 Year Fixed | 6.09% p.a.*+ | 6.05% p.a.* |
2 Year Fixed | 5.99% p.a.*+ | 6.04% p.a.* |
3 Year Fixed (Special) | 5.69% p.a.*+ | 5.95% p.a.* |
4 Year Fixed | 6.19% p.a.*+ | 6.11% p.a.* |
5 Year Fixed | 5.84% p.a.*+ | 5.99% p.a.* |
Maximum LVR of 80%
Product | Interest rate from | Comparison rate |
---|---|---|
1 Year Fixed | 6.49% p.a.*+ | 6.09% p.a.* |
2 Year Fixed | 6.39% p.a.*+ | 6.11% p.a.* |
3 Year Fixed | 6.39% p.a.*+ | 6.14% p.a.* |
4 Year Fixed | 6.59% p.a.*+ | 6.24% p.a.* |
5 Year Fixed | 6.59% p.a.*+ | 6.31% p.a.* |
Up to 30 years loan term | Yes |
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Available for refinance or purchase | Yes |
Flexible repayment options | Yes |
Application fee | $0 |
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Ongoing fees | $0 |
Security assessment fee | $230 |
Government fees | At cost |
Settlement fee | $300 |
Optional rate lock fee | $350*^ |
Fixed rate special home loan eligibility
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Laura
Home loan customers
Join our other customers
“Very good rates and good service„
“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„
“The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.„
“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„
“Straightforward, pleasant, very helpful staff.„
“Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!„
“Fabulous Team, thank you so much for a very smooth & successful application!„
“Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance„
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“Great people and great service. Went smoothly and swiftly„
“I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!„
“Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.„
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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.
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Settle
Your loan will settle, and you’ll enjoy your new loan rate.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Frequently asked questions
At loans.com.au, we offer fixed terms ranging from 1 - 5 years.
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 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.
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.
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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)
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.
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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.
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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 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.
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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.
Konnie
Lending Specialist
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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Real Good Rewards
As a loans.com.au customer, if you refer a new customer to us we’ll reward you.
Ready to start saving?
You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.
How often should you refinance your home loan?
Whatever your situation is, refinancing can have benefits. Think carefully if it makes sense to refinance your home loan.
Choosing the best home loan for refinancing
Home refinance loans are not a one-size-fits-all solution. When looking for the best home loans for refinancing, make sure your refinance options have the following.
Should you refinance your investment loan?
Like any investment strategy, you need to consider all the potential risks involved. There’s a right time and place for refinancing your investment loan. Before you delve right in, you need to review your investment carefully.
Can refinancing your home loan save money?
Tips for a Successful Home Loan Refinance
What is home loan refinance?
Refinancing tips for investment properties
A step-by-step guide to the refinancing process
Guide to switching home loans
Is it good to refinance when house price is falling?
What are the costs of refinancing your home loan?
What you will need to refinance your home loan
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