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Featured rate

Fixed Rate

  • 1.99%

    3yr fixed rate p.a.*

  • 2.70%

    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 80% of the property value. Lock in this low rate today.


Lock in your repayments with a fixed rate home loan

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 an offset sub-account on the variable rate part of your loan.

Why choose fixed rate home 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.

Our Super Low Owner Occupier Fixed Rates

Fixed Rate Term
Principal & Interest Fixed Rate Comp Rate*
Interest Only Fixed Rate Comp Rate*

Top reasons to choose Fixed


Rate lock option


Interest Only
option available


Weekly, fortnightly and
monthly repayments

Other features include…


Multiple loan splits


No monthly or
ongoing fees


Smart Money app

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.

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Secure your home loan in 3 easy steps

It’s easy to apply for a home loan with 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.


onTrack to Approved

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.


Settle and Save

We do everything required for the loan settlement, so you can start saving money.

We’re here to help


Call us on 13 10 90 8am to 6pm, Monday to Friday AEST. Alternatively, call us on +61 7 3017 8899


We can chat with you online 7 days a week between 7am and 1am.