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.
Multi-award winning
3 Year Fixed (Special)
5.69
%
p.a
Rates from*+
6.13
%
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
Our Google Rating
4.5
463 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.
“We found that loans.com.au still had a very competitive rate and we were happy with the service”
As seen on...
A fixed rate home loan that gives you budget confidence
Here’s your new offer
Home Loan Rates
Principal & interest
Interest Rate:
Comparison Rate:
Max LVR:
1 Year Fixed
6.54% p.a.*+
6.32% p.a.*
90%
2 Year Fixed
6.34% p.a.*+
6.31% p.a.*
90%
3 Year Fixed (Special)
5.69% p.a.*+
6.13% p.a.*
90%
4 Year Fixed
6.44% p.a.*+
6.36% p.a.*
90%
5 Year Fixed
6.04% p.a.*+
6.22% p.a.*
90%
Interest only
Interest Rate:
Comparison Rate:
Max LVR:
1 Year Fixed
6.94% p.a.*+
6.36% p.a.*
80%
2 Year Fixed
6.74% p.a.*+
6.38% p.a.*
80%
3 Year Fixed
6.64% p.a.*+
6.40% p.a.*
80%
4 Year Fixed
6.84% p.a.*+
6.50% p.a.*
80%
5 Year Fixed
6.79% p.a.*+
6.54% p.a.*
80%
Key Features
Up to 30 years loan term
Available for refinance or purchase
Flexible repayment options
Repayments
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$2,899 per month.#
The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest.
Fees
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
Optional rate lock fee
$350*^
P&I
1 Year Fixed
Interest Rate:
6.54% p.a.*+
Comp Rate:
6.32% p.a.*
Max LVR:
90%
2 Year Fixed
Interest Rate:
6.34% p.a.*+
Comp Rate:
6.31% p.a.*
Max LVR:
90%
3 Year Fixed (Special)
Interest Rate:
5.69% p.a.*+
Comp Rate:
6.13% p.a.*
Max LVR:
90%
4 Year Fixed
Interest Rate:
6.44% p.a.*+
Comp Rate:
6.36% p.a.*
Max LVR:
90%
5 Year Fixed
Interest Rate:
6.04% p.a.*+
Comp Rate:
6.22% p.a.*
Max LVR:
90%
IO
1 Year Fixed
Interest Rate:
6.94% p.a.*+
Comp Rate:
6.36% p.a.*
Max LVR:
80%
2 Year Fixed
Interest Rate:
6.74% p.a.*+
Comp Rate:
6.38% p.a.*
Max LVR:
80%
3 Year Fixed
Interest Rate:
6.64% p.a.*+
Comp Rate:
6.40% p.a.*
Max LVR:
80%
4 Year Fixed
Interest Rate:
6.84% p.a.*+
Comp Rate:
6.50% p.a.*
Max LVR:
80%
5 Year Fixed
Interest Rate:
6.79% p.a.*+
Comp Rate:
6.54% p.a.*
Max LVR:
80%
Up to 30 years loan term
Available for refinance or purchase
Flexible repayment options
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$2,899 per month.#
The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest.
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
Optional rate lock fee
$350*^
Download the Key Facts Sheet
Our home loan products are recognised & awarded by the Australian financial industry
| Home Loan Rates |
|
| Key Features | Up to 30 years loan term |
|
| Available for refinance or purchase |
|
|
| Flexible repayment options |
|
| Repayments | Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $2,899 per month.# The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest. |
| Fees | Application fee | $0 |
| Ongoing fees | $0 | |
| Security assessment fee | $230 | |
| Government fees | At cost | |
| Settlement fee | $300 | |
| Optional rate lock fee | $350*^ |
P&I |
|||
| 1 Year Fixed | Interest Rate: 6.54% p.a.*+ |
| Comp Rate: 6.32% p.a.* | |
| Max LVR: 90% |
| 2 Year Fixed | Interest Rate: 6.34% p.a.*+ |
| Comp Rate: 6.31% p.a.* | |
| Max LVR: 90% |
| 3 Year Fixed (Special) | Interest Rate: 5.69% p.a.*+ |
| Comp Rate: 6.13% p.a.* | |
| Max LVR: 90% |
| 4 Year Fixed | Interest Rate: 6.44% p.a.*+ |
| Comp Rate: 6.36% p.a.* | |
| Max LVR: 90% |
| 5 Year Fixed | Interest Rate: 6.04% p.a.*+ |
| Comp Rate: 6.22% p.a.* | |
| Max LVR: 90% |
IO |
|||
| 1 Year Fixed | Interest Rate: 6.94% p.a.*+ |
| Comp Rate: 6.36% p.a.* | |
| Max LVR: 80% |
| 2 Year Fixed | Interest Rate: 6.74% p.a.*+ |
| Comp Rate: 6.38% p.a.* | |
| Max LVR: 80% |
| 3 Year Fixed | Interest Rate: 6.64% p.a.*+ |
| Comp Rate: 6.40% p.a.* | |
| Max LVR: 80% |
| 4 Year Fixed | Interest Rate: 6.84% p.a.*+ |
| Comp Rate: 6.50% p.a.* | |
| Max LVR: 80% |
| 5 Year Fixed | Interest Rate: 6.79% p.a.*+ |
| Comp Rate: 6.54% p.a.* | |
| Max LVR: 80% |
| Up to 30 years loan term |
|
| Available for refinance or purchase |
|
| Flexible repayment options |
|
| Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $2,899 per month.# The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.69% p.a. paying principal and interest. |
| Application fee | $0 |
| Ongoing fees | $0 |
| Security assessment fee | $230 |
| Government fees | At cost |
| Settlement fee | $300 |
| Optional rate lock fee | $350*^ |
Download the Key Facts Sheet
Our home loan products are recognised & awarded by the Australian financial industry
Frequently asked questions
Konnie
Lending Specialist
Talk with a real person about our fixed rate loans.
Get help from a friendly member of our Australian-based home lending team.