Lock in your dream home with our fixed rate loan
Budget with confidence with repayments that are locked in for the life of your fixed rate loan period.
Fixed Rate Home Loan
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Borrow up to 90% LVR -
Split with variable rate
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90 day rate lock option available*^
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Extra repayment of up to $10,000/ year
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Unlimited additional repayments
Why choose our Fixed Rate Home Loan?
Rate lock guarantee
Up to 5 years fixed rate
Flexible repayment options
Zero monthly or ongoing fees
Who is loans.com.au?
Established in 2011, loans.com.au is one of Australia's first online lenders offering great value and award-winning car and home loans. Part of the Firstmac Group, Australia’s leading non-bank lender, we’re backed by four decades of expertise. Our Brisbane-based lending specialists have helped thousands of customers make confident decisions and save on their home and car buying journeys.
A fixed rate home loan that gives you budget confidence
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.
Why Aussies choose us?
Award winning loans & service
Flexible loan options available
Australian based lending specialists
Save with our competitive interest rates
Our home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
Meet the team behind Australia's Home of Loans
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.
David
Customer reviews
Our Google Rating
Kathryn
Lending Specialist
Ready to chat to a real person about buying your home?
Our experienced home lending specialists are here to help. Let's chat about your home loan options today.