Fixed
Rates from
3.94%
Fixed rate p.a.*
3.76%
Comp rate p.a.*

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

 
  • Rate lock option available (guarantees the rate for 60 days)
  • Borrow up to 90% of your property value
  • No monthly or ongoing fees


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Loan amount

$
 
Monthly repayments#
0,000  

Knowledgeable staff and fantastic rates

Friendly, fast response. Easy to get the questions I had answered. The staff are knowledgeable and rates are fantastic. Very happy with my new loan!

Melissa S.
2017
Berowra Heights, NSW


 

Get started now and pre-qualify

$

Why choose fixed rate home loans?

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. If this option is choosen, it will provide the certainty of a fixed rate, but let you enjoy the benefit of any rate cut, and still use 100% redraw offset facility against the variable portion of your loan 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. 

Product Variations

 
Owner Occupier
Investor
Fixed Rate Term Rate From Comp rate* Rate From Comp rate*
1 year 3.94 % 3.76 % 4.14 % 4.19 %
2 year 3.99 % 3.78 % 4.33 % 4.21 %
3 year 4.29 % 3.86 % 4.49 % 4.26 %

1 year

Owner Occupier

3.94% Fixed rate*

3.76% Comp rate*

 

Investor

4.14% Fixed rate*

4.19% Comp rate*

2 year

Owner Occupier

3.99% Fixed rate*

3.78% Comp rate*

 

Investor

4.33% Fixed rate*

4.21% Comp rate*

3 year

Owner Occupier

4.29% Fixed rate*

3.86% Comp rate*

 

Investor

4.49% Fixed rate*

4.26% Comp rate*

Owner Occupier

3.94% Fixed rate*

3.76% Comp rate*

 

Investor

4.14% Fixed rate*

4.19% Comp rate*

Owner Occupier

3.99% Fixed rate*

3.78% Comp rate*

 

Investor

4.33% Fixed rate*

4.21% Comp rate*

Owner Occupier

4.29% Fixed rate*

3.86% Comp rate*

 

Investor

4.49% Fixed rate*

4.26% Comp rate*

Upfront 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

Purchase with Confidence

Designed for you to make your home loan journey quick, simple, and reliable.

Meet some of the team

Our friendly, Australian based, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.

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Loan Calculators to Best Estimate Your Repayments

Our five online loan calculators are handy tools you can use. 

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Customer reviews

(Based on 241 reviews. As rated by our settled customers)

  • 4.9
  • Value for money Customer service

READ MORE REVIEWS

customer review image

Louise T. Morningside, QLD

Smooth application

March 29 2018

Staff were wonderful from start to finish. Everything went smoothly. Thanks for your great customer service.

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

customer review image

Thomas U. Glenelg North, SA

Helpful loan specialists

March 15 2018

All loans.com.au loan specialists were very helpful all the way through to settlement. Thank you!

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

A smarter way to get from loan application to settlement

At loans.com.au, we believe applying for a home loan should be a speedy and hassle free process. OnTrack allows you to quickly get your loan through to approval and settlement while we do the heavy lifting for you behind the scenes.

 

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Calculators

Borrowing power

Find out how much you can borrow based on your income and expenses.

USE CALCULATOR

Loan repayments

Shows how your mortgage repayments will vary depending upon the size, interest rate and duration of your loan.

USE CALCULATOR

Stamp duty costs

Works out how much stamp duty you'll have to pay depending on the property’s value and location. 

USE CALCULATOR
 
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13 10 90
or
Request A Call
7am - 7pm, Monday to Friday. AEST
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