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

Owner Occupier
Principal & Interest
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Interest Only
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Our investor fixed rates
Investor
Principal & Interest
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a.*
Interest Only
Fixed rate p.a
Comp rate p.a.*
Fixed rate p.a
Comp rate p.a*
Fixed rate p.a
Comp rate p.a*
Fixed rate p.a
Comp rate p.a*
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, thanks Ray!„
“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!„
“Incredible company that has 10/10 customer service. Quick efficient and friendly!.„
“Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.„
“Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.„
“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!„
“Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.„
“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 👍👍„
“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.„
“Quick and easy settlement with good online portal for document submission and clear instructions as to what documents are required.„
“Easy to deal with, friendly staff, talk with real people from first phone call.Extremely happy.„
“Straightforward and pain free process from start to finish. Very helpful and knowledgeable staff. So easy to deal with.„