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2.29%
fixed rate p.a.* -
2.85%
comparison rate p.a.*
Fixed rate for homeowners
Pay no monthly, ongoing or annual fees with our easy to understand Fixed Rate Home Loan.
-
2.49%
fixed rate p.a.* -
2.98%
comparison rate p.a.*
Fixed rate for investors
Get our lowest ever fixed rate investment loan with interest only and rate lock option available.
What is a fixed home loan rate?
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.
Our owner occupied fixed rates
Product name
Principal & Interest rate p.a.
2.29%
2.85% comp rate*
Interest only rate p.a.
2.69% (Up to 80%)
2.88%% comp rate*
Product name
Principal & Interest rate p.a.
2.45%
2.83% comp rate*
Interest only rate p.a.
2.85% (Up to 80%)
2.89% comp rate*
Product name
Principal & Interest rate p.a.
2.59%
2.83% comp rate*
Interest only rate p.a.
2.99% (Up to 80%)
2.92% comp rate*
Our investor fixed rates
Product name
Principal & Interest rate p.a.
2.49%
2.98% comp rate*
Interest only rate p.a.
2.89% (Up to 80%)
3.00% comp rate*
Product name
Principal & Interest rate p.a.
2.65%
2.96% comp rate*
Interest only rate p.a.
3.05% (Up to 80%)
3.02% comp rate*
Product name
Principal & Interest rate p.a.
2.79%
2.97% comp rate*
Interest only rate p.a.
3.19% (Up to 80%)
3.05% comp rate*
Find your next home loan
For 10 years, we've been helping Aussies into their dream homes and saving them thousands. Find the right loan for you today so you can start saving too.
Get started
Apply online or chat to one of our Australian-based lending specialists.
We’ll take care of the paperwork for you and do our best to settle your loan quickly so you can start saving sooner.
How much can I borrow?
It takes less than 3 minutes to calculate your borrowing power!
Benefits of choosing a fixed rate
Certainty
You’ll always know what your rate will be, so even if ses your rate will remain the same.
Allows you to budget
Knowing your regular repayment amounts allowed you to plan your budget.
Fixed rate features
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 a variable rate.
Property transfers
Your fixed rate home loan is transferrable from one property to the next without the need for a full application process.
Option to split
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, but lets you enjoy the benefit of any rate cut!
Calculators
Variable vs fixed
Still deciding between choosing a variable or fixed rate? We’re here to help.
Variable rate key pros
Flexibility
Features such as unlimited repayments and offset sub-account
Typically lower rates & less fees
Fixed rate key pros
Certainty
Protected from any rate increases
Allows you to budget when you know what your rate will be
If you have a variable rate home loan, you can still fix for a period when you want to. We discuss how to decide if fixing is a good idea.
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.
loans.com.au explains whether you can refinance a fixed-rate mortgage and how much it could cost you.
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.
Variable, fixed and offset - understanding your home loan options is the first step to finding the best home loan for you.
loans.com.au. Saving Aussies thousands for 10 years.
For 10 years, we've been helping people into their dream homes and cars. Aussies have trusted our experienced & locally based team to support them with low home loan and car loan rates, approved quickly through our online app.
loans.com.au is backed by Firstmac. Firstmac is Australia’s 13th largest lender with more than 40 years experience and Premier Sponsors of the Brisbane Broncos.
Chat to us today, you could save thousands.
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