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Fixed Rate - Owner Occupied

5.59% 1yr fixed rate p.a.*
3.52% comparison rate p.a.*

Estimated Repayment# $2,007.07 / month

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We're awarded

Rate City 2021 Gold Award Variable Home Loan 2021 Mozo Experts Choice Low Cost Home Loan Award

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.

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Talk to a home loan expert

Book a time that suits you to chat with a lending specialist to take care of the paperwork for you.

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Ready to apply?

Call us on 13 10 90, or simply start your home loan application application online.

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.

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Our owner occupied fixed rates

Product name

LVR

Up to 90%

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

LVR

Up to 90%

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

LVR

Up to 90%

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

LVR

Up to 90%

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

LVR

Up to 90%

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

LVR

Up to 90%

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*

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.

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.

Know exactly what your home loan repayments will be, and you can fix your rate for up to five years.

Choose whether you want to make repayments weekly, fortnightly or monthly.

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.

Knowing your regular repayment amounts allows you to plan your budget.

You can make extra repayments up to $10,000 per year on our fixed loans.

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.

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

4.7

| 392 reviews

Lawrence I.

April 28, 2022

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.

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