close-icon

Our home loans

  • 5 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.44
%
p.a.
Comparison Rate*
6.73
%
p.a.
Monthly repayment#
$3,141
Rates from*
6.44
%
p.a.
Comparison Rate*
6.73
%
p.a.
Monthly repayment#
$3,141

Monthly repayment#
$3,141
  • 1 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.64
%
p.a.
Comparison Rate*
6.85
%
p.a.
Monthly repayment#
$3,207
Rates from*
6.64
%
p.a.
Comparison Rate*
6.85
%
p.a.
Monthly repayment#
$3,207

Monthly repayment#
$3,207
  • 2 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.59
%
p.a.
Comparison Rate*
6.83
%
p.a.
Monthly repayment#
$3,190
Rates from*
6.59
%
p.a.
Comparison Rate*
6.83
%
p.a.
Monthly repayment#
$3,190

Monthly repayment#
$3,190
  • 3 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.54
%
p.a.
Comparison Rate*
6.80
%
p.a.
Monthly repayment#
$3,174
Rates from*
6.54
%
p.a.
Comparison Rate*
6.80
%
p.a.
Monthly repayment#
$3,174

Monthly repayment#
$3,174
  • 4 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Rates from*
6.74
%
p.a.
Comparison Rate*
6.83
%
p.a.
Monthly repayment#
$3,240
Rates from*
6.74
%
p.a.
Comparison Rate*
6.83
%
p.a.
Monthly repayment#
$3,240

Monthly repayment#
$3,240
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
2023 WeMoney - Best for Value (Variable) 2023 WeMoney - Best Value for Refinance 2023 Mozo - Expert's Choice for Low Cost 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.

call-icon

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.

apply-icon

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.

whatisgreencar-img

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%

6.64%
6.85% comp rate*

7.04% (up to 80%)
6.87% comp rate*

Up to 90%

6.59%
6.83% comp rate*

6.99% (up to 80%)
6.88% comp rate*

Up to 90%

6.54%
6.80% comp rate*

6.94% (up to 80%)
6.88% comp rate*

Up to 90%

6.74%
6.83% comp rate*

7.14% (up to 80%)
6.93% comp rate*

Up to 90%

6.44%
6.73% comp rate*

-

Up to 90%

6.79%
6.84% comp rate*

7.19% (up to 80%)
6.97% comp rate*

Owner Occupier
Principal & Interest

90% MAX LVR
1 year Fixed
6.64%
6.85%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.59%
6.83%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.54%
6.80%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
6.74%
6.83%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed (Special)
6.44%
6.73%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed
6.79%
6.84%

Fixed rate p.a

Comp rate p.a.*

Interest Only

80% MAX LVR
1 year Fixed
7.04%
6.87%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.99%
6.88%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.94%
6.88%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
7.14%
6.93%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed
7.19%
6.97%

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%

6.84%
7.14% comp rate*

7.24% (up to 80%)
7.16% comp rate*

Up to 90%

6.79%
7.11% comp rate*

7.19% (up to 80%)
7.16% comp rate*

Up to 90%

6.74%
7.08% comp rate*

7.14% (up to 80%)
7.16% comp rate*

Up to 90%

6.94%
7.11% comp rate*

7.34%% (up to 80%)
7.21% comp rate*

Up to 90%

6.99%
7.11% comp rate*

7.39% (up to 80%)
7.24% comp rate*

Investor
Principal & Interest

90% MAX LVR
1 year Fixed
6.84%
7.14%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
6.79%
7.11%

Fixed rate p.a

Comp rate p.a.*

3 year Fixed
6.74%
7.08%

Fixed rate p.a

Comp rate p.a.*

4 year Fixed
6.94%
7.11%

Fixed rate p.a

Comp rate p.a.*

5 year Fixed
6.99%
7.11%

Fixed rate p.a

Comp rate p.a.*

Interest Only

80% MAX LVR
1 year Fixed
7.24%
7.16%

Fixed rate p.a

Comp rate p.a.*

2 year Fixed
7.19%
7.16%

Fixed rate p.a

Comp rate p.a*

3 year Fixed
7.14%
7.16%

Fixed rate p.a

Comp rate p.a*

4 year Fixed
7.34%%
7.21%

Fixed rate p.a

Comp rate p.a*

5 year Fixed
7.39%
7.24%

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

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

Incredible experience

Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!

TIM D.
25 Jul 2023

Brilliant service

Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.

OMINOUS B.
03 Jul 2023

Extremely helpful

I can not thank Ray Glowaski enough from the very start Ray was extremely helpful right through to my approval he even followed up with a congratulations call. Thank you, Ray and thank you First Mac highly recommended 👍👍

BRETT J.
19 May 2023

Great experience

Ray has been so helpful, professional and most of all prompt especially as time was of the essence. Ray's experience in this field is evident by the way he guided me through the process to obtain finance. I love that I could upload my docs which made the process quicker.

VIRGINIA M.
13 Mar 2023

Quick and easy settlement

Quick and easy settlement with good online portal for document submission and clear instructions as to what documents are required.

CHRIS C.
17 Dec 2022

Thank you

Easy to deal with, friendly staff, talk with real people from first phone call.Extremely happy.

KURT L.
15 Dec 2022

100% painless process. So helpful.

Straightforward and pain free process from start to finish. Very helpful and knowledgeable staff. So easy to deal with.

THOMAS T.
15 Dec 2022

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!

Welcome to loans.com.au _

Just in case we lose you, may I ask for your contact details....



Loading Form