Find out if you qualify

Fixed Home Loan

Lock in a low rate for your peace of mind to get your dream home.

  • 1, 2 or 3 year fixed terms
  • No monthly or ongoing fees
  • Option to split with low variable rate

Why choose a fixed loan?

If you don’t like the uncertainty of a variable rate, the fixed rate is a great option to give you peace of mind.

The rate is fixed but your options aren’t. Choose either a 1, 2 or 3 year term and consider the ways you can get the best out of our low fixed rates.

For flexibility, you also 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, but lets you enjoy the benefit of rate cuts.

Other great features include:

Flexibility

You can fix part of your loan at this low rate, and leave the rest on our low variable rate. This reduces your exposure to any rate changes but still lets you use your 100% offset sub-account to reduce your interest.

Repayment options

Choose weekly, fortnightly, or monthly repayments with up to five years interest-only and, at the end of the fixed term, your interest rate reverts to a variable rate.

Added security

A Rate Lock to ensure your interest rate doesn't change in the period between application and settlement.

Property transfers

Your fixed rate home loan is transferable from one property to the next without the need for a full application.

To find out about our low fixed rates and the perfect loan for you, book a phone appointment with one of our friendly lending specialists.

Our Super Low Owner Occupier Fixed Rates

 

Principal & Interest

Interest Only

Fixed rate term

Fixed rate

Comp rate*

Fixed rate

Comp rate*

1 Year

2.44%

2.60%

2.84%

(up to 80% LVR)

2.63%

2 Year

2.99%

2.67%

3.39%

(up to 80% LVR)

2.73%

3 Year

3.24%

2.75%

3.64%

(up to 80% LVR)

2.84%

Principal & Interest

Fixed rate

2.44%

Comp rate*

2.60%

Interest Only

Fixed rate

2.84%

(up to 80% LVR)

Comp rate*

2.63%

Principal & Interest

Fixed rate

2.99%

(up to 80% LVR)


2.67%

(up to 90% LVR)

Comp rate*

3.39%




2.73%

Principal & Interest

Fixed rate

3.24%

Comp rate*

2.75%

Interest Only

Fixed rate

3.64%

(up to 80% LVR)

Comp rate*

2.84%

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Rate lock option
available

Ensure your interest rate doesn't change in the period between application and settlement

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Interest Only option
available

Lower your monthly repayments and manage your expenses

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Weekly, fortnightly &
monthly repayments

Available repayment options with up to five years interest-only

Calculate your home loan repayments.



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Our process

At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement.

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Apply online

Fill out our online application or talk to one of our Australian-based lending specialists to do the hard work for you.

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Goodbye paperwork!

Log in to onTrack app and easily upload the required documents. Plus, you can track your application through to approval.

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Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

$0

Application fee

$0

Monthly fees

$0

Annual fees

Who is loans.com.au?

loans.com.au is a proudly Australian, award-winning online lender based in Brisbane.

Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender. Firstmac has been operating successfully for over four decades and it has more than $13 billion in mortgages under management. Firstmac and loans.com.au are also Premier Sponsors of NRL team the Brisbane Broncos.

 

Reasons to choose us

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Award winning

By revolutionising the loan application process and our market-leading rates, we keep on winning awards for our products, innovations and customer service, year after year!

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Hassle-free

In less than a minute, find out if you pre-qualify for a home loan and apply online.

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Great Value

We don’t have a branch network to maintain or mortgage brokers to pay, so fewer overheads mean those savings translate directly into lower interest rates and fees for our customers.

Secure

Secure

We employ industry-leading technology to keep your information safe. All data sent and received is protected by 256 bit SSL encryption and a firewall mechanism to ensure confidentiality.

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Our awards

As one of Australia’s first online lenders, we move fast and continue to develop our technology and loans to make sure it’s meeting what our customers actually want, whether it’s making improvements to our apps, processes, rates or even providing more environmentally friendly loans.

Because of this, we’ve won awards each consecutive year since 2011 for our innovation, low rate home loans and car loans and extras like our offset sub-account from experts like RateCity, Canstar and Mozo to name a few.

See all our awards

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Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

We're the home of smart money

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We're the home of smart money

We're the home of smart money

loans.com.au is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products. Since 2011 loans.com.au has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management.

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