Lock in peace of mind with a low fixed rate.

No Regrets Fixed
  • 3.59 %
    2yr fixed rate p.a.*
  • 3.81 %
    comparison rate p.a.*

We're awarded

  • 2 or 3-year fixed terms
  • No ongoing fees
  • Interest only option available
  • %
    variable rate p.a.
  • %
    comparison rate p.a.

Discount Offer - Terms & Conditions

Lock in a special low rate

For a limited time, we have a Fixed Rate Special that is below many lenders’ variable rates! Our Fixed Rate Special gives you a super-low rate and the peace of mind of knowing that your rate is fixed for 2 or 3 years.

A fixed rate is a great choice if you are concerned that interest rates could rise in the future.

Remember, the rate is fixed but the options aren’t.

Choose your term and consider the ways you can get the best out of our Fixed Rate Special.

Top reasons to choose Fixed


Rate lock option


Interest Only
option available


Weekly, fortnightly and
monthly repayments

Other features include…


Multiple loan splits
available ^


No monthly or
ongoing fees


Smart Money app

Our Super Low Investor Fixed Rates

Fixed Rate Term
Principal & Interest Fixed Rate Comp Rate*
Interest Only Fixed Rate Comp Rate*

It's simple

You can go from application to settlement in three easy steps.
Here’s how to lock in a super-low-rate home loan, real quick.

1. Apply

Apply online or on the phone with one of our loan specialists.

2. onTrack to Approved

Track your application, receive your loan documents and set up online services with our award winning onTrack app.

3. Settle and Save

We do everything required for the loan settlement, so you can start saving money.

Fast track your application

If you're ready to move fast on your home loan, we can get you there in a few easy steps with our hassle-free online applications.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.


Upfront Fees & Costs

Our fees & costs
Monthly fee: $0
Annual fee: $0
Application fee: $0
Settlement fee: $300
Discharge fee: $300
Discharge documentation fee: $250
Government and third party costs
Valuation fee (may be higher in some cases): $220 or at cost
Government fees and charges at cost

Who are loans.com.au?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane. Since we were founded in 2011, we have become an industry leader with thousands of happy customers in every state and territory. 

From our local call centre, our service team helps hundreds of customers around the country every day. 
Home buyers are choosing us because we don’t have expensive branches and we pass the savings on to them.

We are backed by the financial strength of our associate company Firstmac, which is Australia’s largest non-bank lender. Firstmac has been operating for 39 years and has more than $11 billion in mortgages under management.


Reasons to choose us

We offer consistently low rates and no ongoing fees, saving our customers thousands of dollars.

  • Great value

    We are online only, so what we save on the cost of branches, we pass on in the form of lower interest rates for our customers.

  • Hassle free

    In less than a minute, you can find out if you prequalify for a home loan, then apply online in just five steps.

  • Award winning

    The latest addition to our trophy cabinet is the CANSTAR 5 Star Rating Outstanding Value for Variable Home Lender - Owner-Occupied and Investment.

Online doesn't mean impersonal, lets talk!

Jazmin has been with loans.com.au for over 5 years. As an experienced Lending Specialist, Jazmin can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Specialists, like Jazmin, to find the right low rate loan package for you.

Call us on
13 10 90
Request A Call
7am - 7pm, Monday to Friday. AEST