Fixed
Rates from
4.14%
Fixed rate p.a.*
4.19%
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  

Second loan with loans.com.au

This is my second product with loans.com.au. They are efficient with great customer service. I will definitely recommend their service to others.

Gajan M.
2017
Southern River, WA


 

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 features

  • Rate lock option available (guarantees the rate for 60 days)
  • Borrow up to 90% of your property value
  • Interest only option available when borrowing up to 80% of your property value
  • Weekly, fortnightly and monthly repayment options
  • Up to five free splits available
  • Combination of fixed rate or identical variable loan product^
  • Option to make up to $10,000 in additional repayments per year
  • No monthly or ongoing fees
  • Reverts to Offset Variable after expiry
  • 24/7 unlimited access to your account online and by phone

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

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.

 

LEARN MORE

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

Meet some of the team

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


Easy steps to apply

Applying online is quick and easy. Over the past year, thousands of people just like you have financed with loans.com.au and saved money.


Simple steps to get a loan

Start your application

Speak to a loans.com.au lending specialist

Login and upload your documentation

Property valuation ordered

Access your account online

Settlement

Loan documentation delivered

Loan approved

Start your application

Speak to a loans.com.au lending specialist

Login and upload your documentation

Loan documentation delivered

Loan approved

Property valuation ordered

Settlement

Access your account online

 
 

Start your application

Speak to a loans.com.au lending specialist

Login and upload your documentation

Property valuation ordered

Loan approved

Loan documentation delivered

Settlement

Access your account online
 

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 228 reviews.
As rated by our settled customers

READ MORE REVIEWS

Nothing else to ask for
Thorough, simple and well managed process. Best rate in the market as well. What else could you ask for with the biggest investment of your life.

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

Ojaswi S. - Doreen, VIC
December 01 2017

Happy throughout the process
I will recommend loans.com.au to anyone. I was happy right through to the settlement day for what they have provided me with. To this day I am happy with their efficient and quick service. I will recommend it.

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

Safur R. - Byford, WA
November 28 2017

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