Lock in your dream home with our fixed rate loan
Budget with confidence with repayments that are locked in for the life of your fixed rate loan period.
Multi-award winning
Fixed Home Loan
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Borrow up to 90% LVR -
Split with variable rate
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90 days rate lock option*^
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Extra repayment of up to $10,000/ year
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No monthly or ongoing fees
Buying a home has never been easier. Chat through the process with our Australian-based home lending specialists who’ll provide you with personal support when you need it.
Whether you opt for a 1 year or 5 years, the predictability of our fixed rate home loan will give you the peace of mind during the course of your repayments. A fixed interest rate means you’ll enjoy the certainty that your repayments will not fluctuate due to external factors.
We offer a 90-day rate lock option, which means your rate won’t change from application to settlement.
We also offer you the option to split your loan between our fixed rate, and variable rate. You’ll benefit from both and achieve the best outcome with our transparent pricing without the hidden fees.
Why Aussies Choose Us
Apply anytime, and from anywhere.
Fast tracked pre-approval in minutes.
Smarter lending to get you moving sooner.
Online convenience, local support.
Our home loans
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
3 Year Fixed (Special)Borrow up to 90% LVR |
5.34% p.a. | 5.67% p.a. | $2,789 |
|
Do I Qualify? |
1 Year FixedBorrow up to 90% LVR |
5.69% p.a. | 5.78% p.a. | $2,899 |
|
Do I Qualify? |
2 Year FixedBorrow up to 90% LVR |
5.59% p.a. | 5.76% p.a. | $2,867 |
|
Do I Qualify? |
Why choose our Fixed Rate Home Loan?
Rate lock option
Fix your home loan rate, so it remains the same from application through to settlement.
Repayment certainty
Enjoy your repayments being locked in for up to 5 years so you can budget with confidence.
Flexible options
Weekly, fortnightly or monthly repayment options available including five years interest-only.
No extra fees
When you choose our fixed rate home loan, you'll also enjoy no monthly or ongoing fees.
A fixed rate home loan that gives you budget confidence
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Real-life customer stories
Warren
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Our home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
Frequently Asked Questions
What is a fixed rate home loan?
If you're trying to decide whether a fixed rate mortgage is your borrowing match, read the advantages and disadvantages of a fixed interest rate here.
What happens at the end of your home loan’s fixed term?
Are you coming to the end of your home loan's fixed rate period? Find out what your options are when your fixed term is coming to an end.
Should you choose a fixed rate home loan?
If you're considering getting a fixed rate home loan, here are some pros and cons to help you with your decision.
What is a home loan rate lock?
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