Fixed Rate Investment Loan
Budget with confidence as your repayments are locked in for the life of your fixed rate period.
3 Year Fixed Investor
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Split with variable rate -
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
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Frequently asked questions
You can choose to fix your home loan interest rate for a set period, typically between one and five years. This can help provide certainty around your repayments during that time. The available fixed terms may vary depending on the loan product you choose.
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.
At the end of your fixed rate period, your loan will revert to a standard variable rate and product automatically. It is at this time you will have the option to remain variable, or re-fix your loan on a new fixed rate and term.
Sarah
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.
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?
