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Get ahead with the stability of our fixed rate home loan

Budget with confidence as your repayments are locked in for the life of your fixed rate period.

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Award-winning loans

3 Year Fixed (Special)

5.34
%
p.a
Rates from*+
5.49
%
p.a
Comparison rate*
  • 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
Do I Qualify?
Our Google Rating
4.6
641 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 home loan repayments

Use our home loan calculator to help estimate your repayments.

Your loan details

years
Loan purpose
Loan type
Repayment type
Repayment frequency
Rate type
Most Popular

3 Year Fixed (Special)
Borrow up to 90% LVR
Lock in a great fixed rate today.
Interest rate
5.34 %   p.a.
5.49% p.a.
Estimated repayments#
$279 per month
Loan amount
$50,000
Interest charged
$50,400
Do I Qualify?
See loan details
Calculator assumptions #

Fixed rate special home loan eligibility

Do I Qualify

Real PeopleReal StoriesReal Wins

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Slide 1

Hamish

Verified review

Hamish

Verified review

Meet Hamish, a customer of ours in his twenties who entered the property market by “rent-vesting”.

  • I started working an office job part time when I started uni.

  • I saved for the next 7 years while keeping an eye on property prices that seemed to just keep going up.

  • Living in Sydney, I recognised that I'd probably need to rent-vest to afford my first property so I started looking towards regions in the greater Sydney area.

Read story
Slide 2

David

Verified review

David

Verified review

Meet David, a wonderful customer of ours who came to us when it was time to purchase his first home.

  • I was sick of throwing my money away paying rent to someone else so I started looking for a home of my own.

  • I looked at a couple places and then my girlfriend just said: “Oh, why don't you try loans.com.au". It turned out that you guys had the best credit policies out of anyone and you actually had a pretty good interest rate too.

Read story
Slide 3

Peta

Verified review

Peta

Verified review

Meet Peta, an awesome customer of ours who came to us when she wanted to refinance an investment property held by her Self-Managed Super Fund (SMSF)

  • I run my own conveyancing business in Sydney called the Property Xchange and my husband also works in real estate. We are experienced property investors.

  • The team was very, very good. Even the loan approval process and the communication were great the whole way through and I felt like it ran very smoothly. Looking back, refinancing was a big saving for us.

Read story

What other customers are saying

Shifting to loans.com.au for my lending needs has been one of the best decision

“Shifting to loans.com.au for my lending needs has been one of the best decision. Much better Interest rates, no unnecessary recurring fees, friendly staff and overall great service. Top team & highly recommended 👌„

Avanish F.
28 Nov 2025

Hassle-free loan approval

“Hassle-free loan approval, it's like a walk in the park!„

Saad G.
28 Nov 2025

I have been confident to recommend this lender

“All the team at loans.com.au are incredibly helpful and friendly to deal with. I have been confident to recommend this lender to a number of family and friends over the years as having great products and smooth processes.„

Tania T.
27 Nov 2025

Sweet and very helpful

“Jasmine is sweet and very helpful and positive from the beginning to the approval process and now with the loan documents. Phil also helped a lot with always positive responses. Thank you.„

Siva K.
26 Nov 2025

They gave me the best rates

“Just got my second car loan through loans.com.au (first was 2.5 years ago). Both times, they gave me the best rates compared to dealer and bank finance. Their process is super simple, all online through easy to use tools. Best experience. Highly recommended„

James B.
26 Nov 2025

I had a really nice experience

“I had a really nice experience with the service I have got so far especially from Lee and Jessica. They’ve been on top of the loan and they have tried their level best to minimise the effort that I have to put in and remain very proactive. I have found that they are very practical focused and contact you on regular in terms to what are the best possible options.„

Abid A.
24 Nov 2025

It was very smooth SMSF loan approval process and rates are competitive too

“It was very smooth SMSF loan approval process and rates are competitive too, great support by Harriet and Liam always available and responsive to all my queries through out the approval process. Very good customer support and fully automated process through technology.„

Amar M.
21 Nov 2025

Had a very good experience with the team at loans.com.au

“Had a very good experience with the team at loans.com.au - great communications and all very helpful - highly recommend them„

Tony V.
21 Nov 2025

Fantastic, simple and super quick

“Fantastic, simple and super quick. I could not recommend enough. Thank you.„

Alan H.
21 Nov 2025

Easy to deal with

“Easy to deal with and a great rate.„

Lachlan Q.
20 Nov 2025

made out loan application a real breeze and stress free

“Had a great experience with Rick and Lee from loans.com, made out loan application a real breeze and stress free, highly recommend these guys„

Luke B.
17 Nov 2025

Had an excellent experience

“Had an excellent experience with this company. Rena and Trina were very knowledgeable on the product and easy to understand. Their communications were consistent and timely. Thank you ladies.„

Mark N.
16 Nov 2025

Our Google rating

4.6 641 reviews

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

Your loan will settle, and you’ll enjoy your new loan rate.

A fixed rate home loan that gives you budget confidence

Here’s your new offer

Repayment Type

Maximum LVR of 90%

Product Interest rate from Comparison rate
1 Year Fixed 5.69% p.a.*+ 5.56% p.a.*
2 Year Fixed 5.59% p.a.*+ 5.55% p.a.*
3 Year Fixed (Special) 5.34% p.a.*+ 5.49% p.a.*
4 Year Fixed 5.89% p.a.*+ 5.68% p.a.*
5 Year Fixed 5.64% p.a.*+ 5.62% p.a.*

Maximum LVR of 80%

Product Interest rate from Comparison rate
1 Year Fixed 6.09% p.a.*+ 5.59% p.a.*
2 Year Fixed 5.99% p.a.*+ 5.63% p.a.*
3 Year Fixed 6.04% p.a.*+ 5.68% p.a.*
4 Year Fixed 6.29% p.a.*+ 5.81% p.a.*
5 Year Fixed 6.39% p.a.*+ 5.93% p.a.*
Up to 30 years loan term Yes
Available for refinance or purchase Yes
Flexible repayment options Yes
Application fee $0
Ongoing fees $0
Security assessment fee $230##
Government fees At cost
Settlement fee $300
Optional rate lock fee $350*^

Frequently asked questions

You can choose to fix your home loan interest rate for a set period, typically between one and five years. This can help provide certainty around your repayments during that time. The available fixed terms may vary depending on the loan product you choose.

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 and rate lock fee of $350 is applicable. Rate lock is required for 5 year fixed loans. 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.

At the end of your fixed rate period, your loan will revert to a standard variable rate and product automatically. It is at this time you will have the option to remain variable, or re-fix your loan on a new fixed rate and term.

Home Loan FAQs
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Sarah

Lending Specialist

Talk with a real person about our fixed rate loans.

As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.

Book a Call

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.

Do I Qualify?
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