Borrowers race to fix below 4.00%
06 Aug 2018
As lenders slash fixed rates left, right and centre, borrowers are racing to lock in a great home loan deal while they last.
In the past month, 14 lenders in Mozo’s database have reduced fixed rates by an average of 0.16%. On the other hand, variable rates have been steadily climbing, making a fixed rate offer all the more attractive for frugal Aussie borrowers.
“If you’ve been thinking about locking your mortgage rate in, now could be the perfect time to take the plunge while lenders are enticing borrowers with lower and lower fixed rates,” says Mozo Director Kirsty Lamont.
There are currently 184 fixed rate offers under 4.00% across terms between 1 and 5 years in the Mozo database, so borrowers are spoilt for choice when it comes to finding a great deal. Check out some hot options available today.
Fantastic fixed rate home loan offers
Rates updated daily. Advertiser disclosure.
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1.99% p.a.
fixed 3 years2.70% p.a.
$1234
Product details Close detailsSpecial Offer Fixed Rate Home Loan
Owner Occupier, Principal & Interest
1.99% p.a.
fixed 3 years2.70% p.a.
Limited time 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.
Special Offer Fixed Rate Home Loan
Limited time 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.
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1.99% p.a.
fixed 3 years -
2.70% p.a.
-
$520
-
$0.00
-
$0.00
-
yes - free up to $10,000 p.a.
-
no
-
no
-
$520
-
80.00%
-
$50,000
-
$1,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Special Offer Fixed Rate Home Loan
Details Close
-
-
1.85% p.a.
fixed 3 years2.24% p.a.
$1234
Product details Close detailsUHomeLoan
Owner Occupier, Principal & Interest
1.85% p.a.
fixed 3 years2.24% p.a.
$0 fees and easy application. Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.
UHomeLoan
$0 fees and easy application. Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.
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1.85% p.a.
fixed 3 years -
2.24% p.a.
-
$0
-
$0.00
-
$0.00
-
yes - free up to $20,000 p.a.
-
no
-
no
-
$0
-
80.00%
-
$100,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$395 Establishment fee waived for fixed rate loans that settle by 30 September 2022. Receive 1.75% 3 year fixed rate when you apply by 29 April 2021 and settle within 90 days.
Read our Mozo Review to learn more about the UHomeLoan
Details Close
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-
2.09% p.a.
fixed 3 years2.43% p.a.
$1234
Product details Close detailsBasic Home Loan
Fixed, Owner Occupier, Principal & Interest, LVR<70%
2.09% p.a.
fixed 3 years2.43% p.a.
Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.
Basic Home Loan
Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.
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2.09% p.a.
fixed 3 years -
2.43% p.a.
-
$0
-
$0.00
-
$400.00
-
yes - free
-
yes - free
-
no
-
$0
-
70.00%
-
$150,000
-
$750,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Monthly
-
Read our Mozo Review to learn more about the Basic Home Loan
Details Close
-
-
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Mozo experts choice awards won:
- Fixed Rate Home Loan - 2021
1.94% p.a.
fixed 3 years2.97% p.a.
$1234
Product details Close detailsMozo experts choice awards won:
- Fixed Rate Home Loan - 2021
Discount Fixed Rate
Owner Occupier, Principal & Interest, <80% LVR
1.94% p.a.
fixed 3 years2.97% p.a.
Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. Fixed Rate Home Loan Winner in the Mozo Expert's Choice Awards for 2021.
Discount Fixed Rate
Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. Fixed Rate Home Loan Winner in the Mozo Expert's Choice Awards for 2021.
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1.94% p.a.
fixed 3 years -
2.97% p.a.
-
$450
-
$10.00 monthly
-
$350.00
-
yes - free up to $5,000 p.a
-
no
-
no
-
$450
-
80.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$3,000 cashback when you refinance your home loan to BOQ, min $250,000, 80% LVR or less. Apply before 28 May 2021, settle by 27 August 2021.
Read our Mozo Review to learn more about the Discount Fixed Rate
Details Close
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1.95% p.a.
fixed 2 years2.17% p.a.
$1234
Product details Close detailsWell Balanced Fixed
Owner Occupier, Principal & Interest, LVR <80%
1.95% p.a.
fixed 2 years2.17% p.a.
Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.
Well Balanced Fixed
Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.
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1.95% p.a.
fixed 2 years -
2.17% p.a.
-
$785
-
$0.00
-
$300.00
-
yes - free
-
yes - free
-
Optional - $10 per month
-
$785
-
80.00%
-
$200,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Well Balanced Fixed
Details Close
-
-
2.04% p.a.
fixed 3 years3.60% p.a.
$1234
Product details Close detailsFixed Rate Loan with Orange Advantage Orange Advantage
Owner Occupiers, Principal & Interest, LVR <80%
2.04% p.a.
fixed 3 years3.60% p.a.
Know exactly what your repayments will be, and you can fix your rate for up to 5 years. No monthly, annual fee or transaction fees.
Fixed Rate Loan with Orange Advantage Orange Advantage
Know exactly what your repayments will be, and you can fix your rate for up to 5 years. No monthly, annual fee or transaction fees.
-
2.04% p.a.
fixed 3 years -
3.60% p.a.
-
$299
-
$0.00
-
$250.00
-
yes - free up to $10,000 pa
-
no
-
no
-
$299
-
80.00%
-
$50,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Rate Loan with Orange Advantage
Details Close
-
-
1.98% p.a.
fixed 3 years3.56% p.a.
$1234
Product details Close detailsSpecial Fixed Rate Home Loan Premium Plus Package
Owner Occupier, Principal & Interest
1.98% p.a.
fixed 3 years3.56% p.a.
Great fixed low rate. Ability to split your loan between fixed and variable. Insurance discounts and $0 credit card or personal loan fee available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Enjoy local branches and call centre.
Special Fixed Rate Home Loan Premium Plus Package
Great fixed low rate. Ability to split your loan between fixed and variable. Insurance discounts and $0 credit card or personal loan fee available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Enjoy local branches and call centre.
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1.98% p.a.
fixed 3 years -
3.56% p.a.
-
$0
-
$395.00 yearly
-
$0.00
-
yes - free up to $25,000 p.a.
-
yes - free
-
no
-
$0
-
80.00%
-
$5,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
Read our Mozo Review to learn more about the Special Fixed Rate Home Loan
Details Close
-
-
2.09% p.a.
fixed 2 years2.44% p.a.
$1234
Product details Close detailsBasic Home Loan
Fixed, Owner Occupier, Principal & Interest, LVR 70-80%
2.09% p.a.
fixed 2 years2.44% p.a.
Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.
Basic Home Loan
Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.
-
2.09% p.a.
fixed 2 years -
2.44% p.a.
-
$0
-
$0.00
-
$400.00
-
yes - free
-
yes - free
-
no
-
$0
-
80.00%
-
$150,000
-
$750,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Monthly
-
Read our Mozo Review to learn more about the Basic Home Loan
Details Close
-
-
1.99% p.a.
fixed 1 year2.33% p.a.
$1234
Product details Close detailsUHomeLoan
Owner Occupier, Principal & Interest
1.99% p.a.
fixed 1 year2.33% p.a.
Fast, easy apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans.
UHomeLoan
Fast, easy apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans.
-
1.99% p.a.
fixed 1 year -
2.33% p.a.
-
$0
-
$0.00
-
$0.00
-
yes - free up to $20,000 p.a.
-
no
-
no
-
$0
-
80.00%
-
$100,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$395 Establishment fee waived for fixed rate loans that settle by 30 September 2021.
Read our Mozo Review to learn more about the UHomeLoan
Details Close
-
-
2.09% p.a.
fixed 3 years2.93% p.a.
$1234
Product details Close detailsFixed Home Loan Special Offer Home Package Plus
Owner Occupier, Principal & Interest
2.09% p.a.
fixed 3 years2.93% p.a.
No monthly account keeping fees & No loan establishment fee. Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan. T&Cs & eligibility criteria apply.
Fixed Home Loan Special Offer Home Package Plus
No monthly account keeping fees & No loan establishment fee. Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan. T&Cs & eligibility criteria apply.
-
2.09% p.a.
fixed 3 years -
2.93% p.a.
-
$0
-
$375.00 yearly
-
$350.00
-
yes - free up to $500 per month
-
no
-
no
-
$0
-
90.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Home Loan Special Offer
Details Close
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^See information about the Mozo Experts Choice Home loans Awards
