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Our home loans

  • 5 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
5.94
%
p.a.
Comparison Rate*
6.57
%
p.a.
Monthly repayment#
$2,978
Rates from*
5.94
%
p.a.
Comparison Rate*
6.57
%
p.a.
Monthly repayment#
$2,978

Monthly repayment#
$2,978
  • 1 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.34
%
p.a.
Comparison Rate*
6.83
%
p.a.
Monthly repayment#
$3,108
Rates from*
6.34
%
p.a.
Comparison Rate*
6.83
%
p.a.
Monthly repayment#
$3,108

Monthly repayment#
$3,108
  • 2 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.14
%
p.a.
Comparison Rate*
6.77
%
p.a.
Monthly repayment#
$3,043
Rates from*
6.14
%
p.a.
Comparison Rate*
6.77
%
p.a.
Monthly repayment#
$3,043

Monthly repayment#
$3,043
  • 3 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.09
%
p.a.
Comparison Rate*
6.71
%
p.a.
Monthly repayment#
$3,027
Rates from*
6.09
%
p.a.
Comparison Rate*
6.71
%
p.a.
Monthly repayment#
$3,027

Monthly repayment#
$3,027
  • 4 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.24
%
p.a.
Comparison Rate*
6.70
%
p.a.
Monthly repayment#
$3,075
Rates from*
6.24
%
p.a.
Comparison Rate*
6.70
%
p.a.
Monthly repayment#
$3,075

Monthly repayment#
$3,075
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

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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Fixed Home Loan Rates

Our owner occupied fixed rates

Product Name

LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

Up to 90%

6.34%
6.83% comp rate*

6.74% (up to 80%)
7.23% comp rate*

Up to 90%

6.14%
6.77% comp rate*

6.54% (up to 80%)
7.17% comp rate*

Up to 90%

6.09%
6.71% comp rate*

6.49% (up to 80%)
7.11% comp rate*

Up to 90%

6.24%
6.70% comp rate*

6.64% (up to 80%)
7.11% comp rate*

Up to 90%

5.94%
6.57% comp rate*

6.69% (up to 80%)
7.09% comp rate*

Owner Occupier
Principal & Interest

90% MAX LVR
1 year Fixed
6.34%
6.83%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.14%
6.77%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.09%
6.71%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
6.24%
6.70%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed (Special)
5.94%
6.57%

Fixed rate p.a

Comp rate p.a.*

Interest Only

80% MAX LVR
1 year Fixed
6.74%
7.23%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.54%
7.17%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.49%
7.11%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
6.64%
7.11%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed
6.69%
7.09%

Fixed rate p.a

Comp rate p.a.*

Our investor fixed rates

Product Name

LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

Up to 90%

6.54%
7.12% comp rate*

6.94% (up to 80%)
7.24% comp rate*

Up to 90%

6.34%
7.05% comp rate*

6.74% (up to 80%)
7.19% comp rate*

Up to 90%

6.29%
6.99% comp rate*

6.69% (up to 80%)
7.15% comp rate*

Up to 90%

6.44%
6.98% comp rate*

6.84% (up to 80%)
7.16% comp rate*

Up to 90%

6.49%
6.95% comp rate*

6.89% (up to 80%)
7.15% comp rate*

Investor
Principal & Interest

90% MAX LVR
1 year Fixed
6.54%
7.12%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.34%
7.05%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.29%
6.99%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
6.44%
6.98%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed
6.49%
6.95%

Fixed rate p.a

Comp rate p.a.*

Interest Only

80% MAX LVR
1 year Fixed
6.94%
7.24%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.74%
7.19%

Fixed rate p.a

Comp rate p.a*

3 year Fixed
6.69%
7.15%

Fixed rate p.a

Comp rate p.a*

4 year Fixed
6.84%
7.16%

Fixed rate p.a

Comp rate p.a*

5 year Fixed
6.89%
7.15%

Fixed rate p.a

Comp rate p.a*

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.

Want to see more home loan options? Compare our home loans

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 90 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 90 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.

Join Our Other loans.com.au Customers

Very helpful with clear communication and quick responses

Ray and Jordan at Loans.com.au have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!

Vincent L.
08 May 2024

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Frequently Asked Questions

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.

At loans.com.au, we offer fixed terms ranging from 1 - 5 years.

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 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 90 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.

Our home loan application process

1
Apply online

Apply online

Simply fill out your 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.

2
Goodbye paperwork

Goodbye paperwork

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.

3
Settle & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

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