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, 2 or 3 year term 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.
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.
Our Super Low Fixed Rates
Fixed rate term
Want to see more home loan options? Compare our home loans
Top reasons to choose this loan
Rate lock option
Ensure your interest rate doesn’t change in the period between application and settlement
Interest Only option
Lower your monthly repayments and manage your expenses
Weekly, fortnightly &
Available repayment options with up to five years interest-only
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.
No recurring monthly or annual fees helps save you thousands over the life of your loan.
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.
Calculate your home loan repayments.
Our online loan application process
At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement.
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Frequently asked questions
- 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 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.
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!
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 $14 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
Always a great experience
Always a great experience. A huge thank you to Ray who does such an amazing job, his knowledge, care and customer service skills are second to none!
October 26, 2021
We had a great end to end experience
Please send our thanks to Ray he was very informative, friendly and clearly cares about his customers. We had a great end to end experience and quick turnaround and kept informed! Highly recommend 😊
October 21, 2021
They were always available to provide quick answers to questions
The application process was straightforward as long as you could provide the required information without much hassle. They were always available to provide quick answers to questions and in a friendly manner. The organisation is located within Australia. Once we learnt the secure way of uploading information, the system worked extremely well. This company has very low interest rates and worked quickly to met our tight settlement deadline. Would recommend to anyone wanting a home loan.
October 13, 2021