Fixed Rate Home Loans
Lock in a low interest rate for up to 5 years.
Our home loans
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
5 Year FixedMost Popular
|
5.94 % p.a. | 6.57 % p.a. | $2,978 |
|
Do I Qualify? |
1 Year Fixed |
6.34 % p.a. | 6.83 % p.a. | $3,108 |
|
Do I Qualify? |
2 Year Fixed |
6.14 % p.a. | 6.77 % p.a. | $3,043 |
|
Do I Qualify? |
3 Year Fixed |
6.09 % p.a. | 6.71 % p.a. | $3,027 |
|
Do I Qualify? |
4 Year Fixed |
6.24 % p.a. | 6.70 % p.a. | $3,075 |
|
Do I Qualify? |
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.
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.
Fixed Home Loan Rates
Our owner occupied fixed rates
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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.
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.
Frequently Asked Questions
Our home loan application process
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.
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.
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!
What is a fixed rate home loan?
If you're trying to decide whether a fixed rate mortgage is your borrowing match, read the advantages and disadvantages of a fixed interest rate here.
What happens at the end of your home loan’s fixed term?
Are you coming to the end of your home loan's fixed rate period? Find out what your options are when your fixed term is coming to an end.
Should you choose a fixed rate home loan?
If you're considering getting a fixed rate home loan, here are some pros and cons to help you with your decision.
What is a home loan rate lock?
