If you are worried about the impact rising interest rates would have on your budget why not lock in a low rate today? With a fixed rate loan, you will know exactly what your repayments will be for 1, 2, or 3 years.
You can also choose to split your home loan, by making a portion of the loan fixed and the rest variable. Split loans give you the security of a fixed rate on part of your loan along with the flexibility to make extra repayments or have a redraw offset facility on the variable rate part of your loan.
Fixed rate home loans offer one key advantage - certainty. You can lock in the interest rate on your loan for an agreed period of time – usually one to five years – and plan confidently for your financial future, secure in the knowledge that your repayments will not rise during that time.
When your fixed rate period ends, your loan will roll over onto a variable rate or you can simply choose to fix your home loan again.
3yr fixed rate p.a.*
comparison rate p.a.*
Fixed rate lower than most lenders' variable rates
Enjoy peace of mind at an amazingly low price! Our fixed rate is lower than what most lenders charge for a variable rate loan. We have some of the best fixed mortgage rates in Australia and we don't charge monthly or ongoing fees.
Borrow up to 90% of the property value. Lock in this low rate today.
Rate lock option
Weekly, fortnightly and
Multiple loan splits available ^
No monthly or ongoing fees
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You may be wondering about the advantages and disadvantages of fixed interest rates. There are many advantages to a fixed rate loan but these are the key ones.
1. You can protect yourself against future interest rate rises
2. You will know what your repayments will be in the long term
3. You can confidently set financial goals and plan for the future
Our fixed rate loans come with a variety of repayment options. Choose weekly, fortnightly, or monthly repayments.
You can even get up to five years interest-only repayment. Then, at the end of the fixed term, your interest rate reverts to a variable rate.
Use our Home Loan Calculator as a general guide to what your repayments are likely to be on your new home loan.
The Home Loan Calculator will also tell you how much you will pay in total over the life of your loan and let you compare two different home loans to find out which is the best value.
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It’s easy to apply for a home loan with loans.com.au. Remember that online doesn’t mean impersonal, and our friendly lending specialists will do the paperwork and help you every step of the way.
Apply online or on the phone with one of our Australian-based loan specialists.
It is easy for you to track your application to approval, receive your loan documents and set up online services with our award winning onTrack app.
We do everything required for the loan settlement, so you can start saving money.
What is a Fixed Rate Home Loan?
We tell you everything you need to know about fixed rate home loans covering rates, features and break fees, how to choose a fixed term, and how to get one!
Is It Time to Fix Your Home Loan?
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.