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 to 5 year terms 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
6.34%
(up to 90% LVR)
6.83%
6.74%
(up to 80% LVR)
7.23%
2 Year
6.14%
(up to 90% LVR)
6.77%
6.54%
(up to 80% LVR)
7.17%
3 Year
6.09%
(up to 90% LVR)
6.71%
6.49%
(up to 80% LVR)
7.11%
4 Year
6.24%
(up to 90% LVR)
6.70%
6.64%
(up to 80% LVR)
7.11%
5 Year
5.94%
(up to 90% LVR)
6.57%
6.69%
(up to 80% LVR)
7.09%
Principal & Interest
Fixed rate
6.34%
(up to 90% LVR)
Comp rate*
6.83%
Interest Only
Fixed rate
6.74%
(up to 80% LVR)
Comp rate*
7.23%
Principal & Interest
Fixed rate
6.14%
(up to 90% LVR)
Comp rate*
6.77%
Interest Only
Fixed rate
6.54%
(up to 80% LVR)
Comp rate*
7.17%
Principal & Interest
Fixed rate
6.09%
(up to 90% LVR)
Comp rate*
6.71%
Interest Only
Fixed rate
6.49%
(up to 80% LVR)
Comp rate*
7.11%
Principal & Interest
Fixed rate
6.24%
(up to 90% LVR)
Comp rate*
6.70%
Interest Only
Fixed rate
6.64%
(up to 80% LVR)
Comp rate*
7.11%
Principal & Interest
Fixed rate
5.94%
(up to 90% LVR)
Comp rate*
6.57%
Interest Only
Fixed rate
6.69%
(up to 80% LVR)
Comp rate*
7.09%
Rate lock option
available
Ensure your interest rate doesn't change in the period between application and settlement
Interest Only option
available
Lower your monthly repayments and manage your expenses
Weekly, fortnightly &
monthly repayments
Available repayment options with up to five years interest-only
$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.
Why choose loans.com.au?
Low interest rates
Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.
Australian based
Get help when you need it from our friendly team of Australian based, lending specialists.
Flexible options
Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation.
Award winning
We keep on winning awards for our products, innovations and customer service, year after year!
Online doesn't mean impersonal, let's talk!
Online doesn't mean impersonal, let's talk!
Online doesn't mean impersonal, let's talk!
This is Brodie. He’s been with loans.com.au for more than 7 years now. Outside of work, he likes wakeboarding, camping and cricket and enjoys spending time with family.
As an experienced lending specialist, Brodie and our team can answer all your questions on our green home loan and our other loans to get you on track and start saving thousands.
Speak to Brodie, or one of our many friendly and trusted lending specialists to help find the right loan for you
Call 8am - 6pm Monday to Friday, or chat to us on Live Chat at a time that suits you.
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 WeMoney, Mozo and RateCity to name a few.
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
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.