Fixed Rate - Owner Occupied
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What is a fixed rate home loan?
As the name suggests, a fixed rate loan means your interest rate will remain unchanged or fixed throughout term of the loan. One of the benefits of a fixed rate home loan is you pay the same amount every repayment whether it’s weekly, fortnightly, or monthly.
It’s important to understand the period of your loan being fixed will expire after an agreed time of between one and five years. Once the fixed rate term ends, your mortgage will go back to being variable rate so the rate can fluctuate over the life of your loan.
Get started
Apply for a fixed rate home loan online today. Or, one of our friendly lending specialist can do the hard work for you and manage your paperwork over the phone.
Either way, we can settle your loan quickly so you can start saving thousands sooner.
Why choose a fixed rate home loan?
The main advantage of opting for a fixed rate home loan is the security in knowing your rate won’t change throughout the fixed period. This means you’ll be protected from any sudden increases in your repayments whether the RBA makes the decision to increase or if your lender increases their variable rates.
Due to the rate being the same throughout the fixed period, fixed rate home loans are also typically quite easy to understand for the borrower.
Our owner occupied fixed rates
Product name
Principal & Interest rate p.a.
5.59%
3.52% comp rate*
Interest only rate p.a.
5.99% (Up to 80%)
3.55% comp rate*
Product name
Principal & Interest rate p.a.
6.09%
3.75% comp rate*
Interest only rate p.a.
6.49% (Up to 80%)
3.80% comp rate*
Product name
Principal & Interest rate p.a.
6.24%
3.96% comp rate*
Interest only rate p.a.
6.64% (Up to 80%)
4.04% comp rate*
Our investor fixed rates
Product name
Principal & Interest rate p.a.
5.79%
3.81% comp rate*
Interest only rate p.a.
6.19% (Up to 80%)
3.84% comp rate*
Product name
Principal & Interest rate p.a.
6.29%
4.03% comp rate*
Interest only rate p.a.
6.69% (Up to 80%)
4.08% comp rate*
Product name
Principal & Interest rate p.a.
6.44%
4.23% comp rate*
Interest only rate p.a.
6.84% (Up to 80%)
4.31% comp rate*
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Benefits of a fixed rate home loan
Certainty of repayments
Know exactly what your home loan repayments will be, and you can fix your rate for up to five years.
Flexible payment options
Choose whether you want to make repayments weekly, fortnightly or monthly.
Rate lock option
Protect yourself from any rising interest rates by choosing our rate lock option. This means you can lock in the advertised rate for 60 days prior to settlement for a small fee.
Budget with ease
Knowing your regular repayment amounts allows you to plan your budget.
Make extra repayments
You can make extra repayments up to $10,000 per year on our fixed loans.
Option to split your loan
For flexibility, you have the option of a split loan with a portion fixed and the rest on a variable rate. That provides the certainty of a fixed rate will also letting you enjoy benefits if a rate cut occurs.
No ongoing fees
At loans.com.au, we charge no monthly, annual or ongoing fees, so you can focus on getting ahead on your home loan.
Certainty of repayments
Know exactly what your home loan repayments will be, and you can fix your rate for up to five years.
Flexible payment options
Choose whether you want to make repayments weekly, fortnightly or monthly.
Rate lock option
Protect yourself from any rising interest rates by choosing our rate lock option. This means you can lock in the advertised rate for 60 days prior to settlement for a small fee.
Budget with ease
Knowing your regular repayment amounts allows you to plan your budget.
Make extra repayments
You can make extra repayments up to $10,000 per year on our fixed loans.
Option to split your loan
For flexibility, you have the option of a split loan with a portion fixed and the rest on a variable rate. That provides the certainty of a fixed rate will also letting you enjoy benefits if a rate cut occurs.
No ongoing fees
At loans.com.au, we charge no monthly, annual or ongoing fees, so you can focus on getting ahead on your home loan.
Read some of our real good feedback.
Our Google Rating
“ The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.„
Lawrence I.
April 28, 2022
“ Friendly and efficient service
Seamless experience. Friendly and efficient service.„
Garth W.
April 25, 2022
Frequently Asked Questions
At loans.com.au, we offer fixed terms ranging from 1 - 5 years.
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 60 days. 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.
A break cost, also known as a fixed rate break cost, is a fee charged by your lender if you break out of your fixed term prior to the fixed rate period expiring. This fee is charged by your lender to recoup losses resulting from you breaking your fixed rate term.
Related Articles
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.
We’ve listed the pros and cons of variable vs fixed to help you find the product suited to your needs.
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.
Splitting your home loan lets you reap the benefits of a variable rate where you can make additional repayments and get access to your offset sub-account.
As interest rate has a big impact on your mortgage repayments, it’s crucial to understand the different types of interest rates & how they work.