Loan amount:
$

Get ahead with the stability of our fixed rate home loan

Giving you certainty of knowing what your interest rate and repayments will be for your fixed loan period
Multi-award winning
awards awards awards

Fixed Rate Loan (Special)

5.69
%
p.a
Rates from*
6.16
%
p.a
Comparison rate*
1 to 5 year fixed terms
Split with variable rate
Up to $10,000/yr extra repayment/year
90 day rate lock option available
No monthly or ongoing fees
Access your account via Smart Money app
Our Google Rating
4.5
447 reviews

Why choose a Fixed Rate Home Loan?

Lock in your home loan rate

Fix your home loan rate and guarantee your rate won't change from application to settlement.

Budget with confidence

Managing your money is easier with the same rate and repayments locked in for up to 5 years.

Multiple repayment options

Weekly, fortnightly or monthly repayment options available including five years interest-only.

Zero monthly or ongoing fees

You won't pay any monthly or ongoing fees on your fixed rate home loan.

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

years
Rate type
Loan purpose
Loan type
Repayment type
Most Popular

3 Year Fixed (Special)

Owner Occupied Principal & Interest Up to 90% LVR
Lock in a great fixed rate today.

Interest rate
5.69 %   p.a.
6.16% p.a.

Estimated repayment#
$289.88 per month
Total principal paid
$50,000
Total interest paid
$54,360

Fixed rate special home loan eligibility

What other customers are saying

Could not recommend them enough

Kimberley was wonderful, very informative, and patient. Communication was on point and all-around professional and friendly throughout the process.

Jillian G.
14 Sep 2024

Got what I needed very quickly

Great rates, easy to use, simple process. Got what I needed very quickly

Lachlan J.
12 Sep 2024

I highly recommend this lender

I switched my home loan from a big bank to Loans.com.au and was pleasantly surprised by their competitive rates and sleek web banking platform.

Alex A.
02 Sep 2024

More than exceptional

My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!

Matthew P.
23 Aug 2024

Very professional and polite

This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.

Drew D.
19 Aug 2024

Easy application process

By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.

Lisa S.
16 Aug 2024

Highly recommended

It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.

Rajesh M.
29 Jul 2024

Very Happy with Jessica's service

Very Happy with Jessica's service so far. She is knowledgeable and efficient, and always available to answer my questions. The portal is also very easy to use. Thank you.

Cristina R.
09 Jul 2024

Would definitely recommend Loans.com.au

Would definitely recommend Loans.com.au, very competitive loan rate, app simple to use, staff easy to talk to.

Roxanne L.
08 Jul 2024

Best experience

We had the best experience getting a loan with the loans.com.au. Everyone we spoke to was friendly and transparent with communications. We really appreciated all the effort the loans.com.au team put into turning around our finance approval <3

Stamatia B.
04 Jul 2024

Outstanding customer service!

I had an excellent experience with loans.com.au while securing my car loan. Rena and Crystal provided exceptional service throughout the entire process. They were knowledgeable, efficient, and always available to answer my questions.

Rohit P.
17 Jun 2024

Unbelievable result

Unbelievable result achieved by amazing team of professionals! I’m really grateful to loans.com.au for saving my property deal and will recommend everyone to use their services. Thank you!

Alexander S.
15 Jun 2024

It's fast & easy to get a loan with loans.com.au

1

Apply online

Simply fill out your loan 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

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

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.

4

Settle & save

Your loan will settle and you'll start saving with your new loan rate!

A fixed rate home loan that gives you budget confidence

Here’s your new offer

Rates

Principal & interest

Fixed Term:

1 Year

2 Year

3 Year


4 Year

5 Year

Interest Rate:

6.54% p.a.*

6.34% p.a.*

5.69% p.a.*
(Special)

6.44% p.a.*

6.04% p.a.*

Comparison Rate:

6.29% p.a.*

6.28% p.a.*

6.16% p.a.*
 

6.32% p.a.*

6.20% p.a.*

Max LVR:

90%

90%

90%


90%

90%

Interest only

Fixed Term:

1 Year

2 Year

3 Year

4 Year

5 Year

Interest Rate:

6.94% p.a.*

6.74% p.a.*

6.64% p.a.*

6.84% p.a.*

6.79% p.a.*

Comparison Rate:

6.77% p.a.*

6.76% p.a.*

6.74% p.a.*

6.78% p.a.*

6.77% p.a.*

Max LVR:

80%

80%

80%

80%

80%

Key Features

Up to 30 years loan term

Available for refinance or purchase

Flexible repayment options

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$2,899 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest.

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

Optional rate lock fee

$350

P&I

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

1 Year

6.54% p.a.

6.29% p.a.

90%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

2 Year

6.34% p.a.

6.28% p.a.

90%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

3 Year

5.69% p.a.
(Special)

6.16% p.a.

90%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

4 Year

6.44% p.a.

6.32% p.a.

90%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

5 Year

6.04% p.a.

6.20% p.a.

90%

IO

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

1 Year

6.94% p.a.

6.77% p.a.

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

2 Year

6.74% p.a.

6.76% p.a.

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

3 Year

6.64% p.a.

6.74% p.a.

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

4 Year

6.84% p.a.

6.78% p.a.

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

5 Year

6.79% p.a.

6.77% p.a.

80%

Up to 30 years loan term

Available for refinance or purchase

Flexible repayment options

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$2,899 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest.

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

Optional rate lock fee

$350

2024 WeMoney - Best for Value (Refinance) 2023 WeMoney - Best Value for Variable 2024 Mozo - Expert's Choice for Green 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

Frequently asked questions

At loans.com.au, we offer fixed terms ranging from 1 - 5 years.

No, the interest rate on a fixed rate loan doesn't change over your fixed period, so you'll know how much you need to pay each month and not be affected by any interest rate increases. There are limits to the amount of extra repayments you can make, and you cannot access additional repayments until the fixed term has ended.

A split loan means that a portion of the loan is subject to fixed home loan rates and a portion is subject to a variable interest rate. For instance, you might fix 50 per cent of the loan, and leave 50 per cent variable. This means that if rates go up, your repayment will only increase on the variable portion, while the other half will remain the same. A split loan is a compromise between the pros and cons of fixed and variable interest rate loans.

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.

There are a few documents you’ll need to provide in your home loan application. Some of these include:

  • Two (2) most recent consecutive payslips for each applicant
  • Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
  • Evidence of Salary Sacrifice or Packaging (if applicable)
  • Evidence of Company Vehicle/Car Allowance (if applicable)
  • Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing.

To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.

If you're thinking about buying property, applying for a home loan can be seamless from start to settlement. One simple online application can tell you how much you can borrow, give you pre-approval and help you track your application progress all the way to ownership. To learn more, click here.

The settlement process is different depending on each individual applicant’s personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

After settlement, you’ll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we’ll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we’ll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

Ready to start saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

TAP to chat!