Fixed Rate Home Loans
Budget with confidence as your repayments are locked in for the life of your fixed rate period.
Multi-award winning
3 Year Fixed (Special)
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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
Our fixed rate home loan has a fixed interest rate and set repayments that won't change during the fixed term period of your loan so you have certainty of your repayments.
Managing your money is easier, because as a loans.com.au customer you'll lock in the same rate and repayments for up to 5 years.
We also offer you a 90-day rate lock option, meaning your rate won't change from application to settlement.
Our home loans
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
3 Year Fixed (Special)Owner Occupied • Principal & Interest • Up to 90% LVRMost Popular
|
5.34% p.a. | 5.67% p.a. | $2,789 |
|
Do I Qualify? |
1 Year FixedOwner Occupied • Principal & Interest • Up to 90% LVR |
5.69% p.a. | 5.78% p.a. | $2,899 |
|
Do I Qualify? |
2 Year FixedOwner Occupied • Principal & Interest • Up to 90% LVR |
5.59% p.a. | 5.76% p.a. | $2,867 |
|
Do I Qualify? |
Why choose a 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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As seen on...
"We found that loans.com.au still had a very competitive rate and we were happy with the service"
Laura
Home loan customers
Meet the team who’ll start saving you thousands
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan.
Our home loan application process
Application
Simply fill out your home loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.
onTrack
After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.
Speak to specialist
You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.
Settlement
Your loan will settle, and you’ll enjoy your new loan rate.
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the 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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