close-icon

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 to 5 year terms 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.

call-icon

Talk to a home loan expert

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

apply-icon

Ready to apply or want pre-approval?

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

Our Super Low Fixed Rates

Our Super Low Fixed Rates

 

Owner Occupier

Investor

Fixed rate term

Fixed Rate

Comp Rate*

Fixed Rate

Comp Rate*

1 Year

6.64%

6.85%

6.84%

7.14%

2 Year

6.59%

6.83%

6.79%

7.11%

3 Year

6.54%

6.80%

6.74%

7.08%

4 Year

6.74%

6.83%

6.94%

7.11%

5 Year (Special)

6.44%

6.73%

-

-

5 Year

6.79%

6.84%

6.99%

7.11%

Owner Occupier
Principal & Interest

1 year Fixed
6.64%
6.85%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.59%
6.83%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.54%
6.80%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
6.74%
6.83%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed (Special)
6.44%
6.73%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed
6.79%
6.84%

Fixed rate p.a

Comp rate p.a.*

Investor
Principal & Interest

1 year Fixed
6.84%
7.14%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.79%
7.11%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.74%
7.08%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
6.94%
7.11%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed
6.99%
7.11%

Fixed rate p.a

Comp rate p.a.*

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

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

Top reasons to choose this loan

features-icon

Rate lock option
available

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

features-icon

Interest Only option
available

Lower your monthly repayments and manage your expenses

features-icon

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.

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
Learn more

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

%
years
years
Estimated savings from repayments graph

Your estimated repayments are

$279.21
$50,000
$50,513

Calculator assumptions

Our home loan application process

1
Apply online

Apply online

Simply fill out your 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.

2
Goodbye paperwork

Goodbye paperwork

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.

3
Settle & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

Frequently asked questions

At loans.com.au, you can fix for a period of 1 to 5 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 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.
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!
award-winning-img mt-5 mt-md-0

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 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $16 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.

Read our story

Join our other loans.com.au customers

Great customer service!

Great customer service, thanks Ray!

CHRIS W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

CLIVE G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

SAM S.
26 Jul 2023

Incredible experience

Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!

TIM D.
25 Jul 2023

Brilliant service

Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.

OMINOUS B.
03 Jul 2023

Extremely helpful

I can not thank Ray Glowaski enough from the very start Ray was extremely helpful right through to my approval he even followed up with a congratulations call. Thank you, Ray and thank you First Mac highly recommended 👍👍

BRETT J.
19 May 2023

Great experience

Ray has been so helpful, professional and most of all prompt especially as time was of the essence. Ray's experience in this field is evident by the way he guided me through the process to obtain finance. I love that I could upload my docs which made the process quicker.

VIRGINIA M.
13 Mar 2023

Quick and easy settlement

Quick and easy settlement with good online portal for document submission and clear instructions as to what documents are required.

CHRIS C.
17 Dec 2022

Thank you

Easy to deal with, friendly staff, talk with real people from first phone call.Extremely happy.

KURT L.
15 Dec 2022

100% painless process. So helpful.

Straightforward and pain free process from start to finish. Very helpful and knowledgeable staff. So easy to deal with.

THOMAS T.
15 Dec 2022

Questions? We can help

chat-icon

Chat online right now

Send us a chat message with any questions you might have.

chat-icon

Talk to a home loan expert

Our experienced loan specialists are here to help – just book a call to have all your questions answered.

Welcome to loans.com.au _

Just in case we lose you, may I ask for your contact details....



Loading Form