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
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Promoted
UBank
2.69% p.a.
fixed 3 years3.37% p.a.
$1234
Product details Close detailsUBank UHomeLoan
Owner Occupier, Principal & Interest
2.69% p.a.
fixed 3 years3.37% 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. Winner of a Mozo Experts Choice Award 2019 in the Fixed Rate Home Loan category.^
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. Winner of a Mozo Experts Choice Award 2019 in the Fixed Rate Home Loan category.^
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2.69% p.a.
fixed 3 years -
3.37% p.a.
-
$395
-
$0.00
-
$0.00
-
yes - free up to $20,000 p.a.
-
no
-
no
-
80.00%
-
$100,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the UHomeLoan
-
-
Promoted
Suncorp2.99% p.a.
fixed 3 years3.73% p.a.
$1234
Product details Close detailsSuncorpFixed Home Loan Special Offer Home Package Plus
Owner Occupier, Principal & Interest
2.99% p.a.
fixed 3 years3.73% p.a.
Receive a $2,000 cash bonus when you take out a Home Package Plus home loan of $250,000 or more (T&Cs apply). No monthly account keeping fee & No loan establishment fee.
Fixed Home Loan Special Offer Home Package Plus
Receive a $2,000 cash bonus when you take out a Home Package Plus home loan of $250,000 or more (T&Cs apply). No monthly account keeping fee & No loan establishment fee.
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2.99% p.a.
fixed 3 years -
3.73% p.a.
-
$0
-
$375.00 yearly
-
$350.00
-
yes - free up to $500 per month
-
no
-
no
-
90.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Receive $2,000 when you refinance an existing loan of $250,000 or more with an LVR of <90%. Apply by 13 December 2019 and settle by 5 March 2020.
Read our Mozo Review to learn more about the Fixed Home Loan Special Offer
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Promoted
loans.com.au3.19% p.a.
fixed 3 years3.31% p.a.
$1234
Product details Close detailsloans.com.auFixed Rate Special Offer
Owner Occupier, Principal & Interest
3.19% p.a.
fixed 3 years3.31% p.a.
This 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.
Fixed Rate Special Offer
This 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.
-
3.19% p.a.
fixed 3 years -
3.31% p.a.
-
$520
-
$0.00
-
$0.00
-
yes - free up to $10,000 p.a.
-
no
-
no
-
80.00%
-
$50,000
-
$1,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Rate Special Offer
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-
Promoted
IMB Bank2.84% p.a.
fixed 2 years3.48% p.a.
$1234
Product details Close detailsIMB BankFixed Home Loan
LVR<90%, Owner Occupier, Principal & Interest
2.84% p.a.
fixed 2 years3.48% p.a.
Free extra repayments up to 1 year in advance & borrow up to 90% of the property value
Fixed Home Loan
Free extra repayments up to 1 year in advance & borrow up to 90% of the property value
-
2.84% p.a.
fixed 2 years -
3.48% p.a.
-
$799
-
$6.00 monthly
-
$350.00
-
yes - free up to 1 year in advance
-
yes - free
-
no
-
90.00%
-
$10,000
-
$5,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Home Loan
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-
Promoted
CUA2.98% p.a.
fixed 3 years4.39% p.a.
$1234
Product details Close detailsCUAFixed Rate Loan
Owner Occupier, Principal & Interest
2.98% p.a.
fixed 3 years4.39% p.a.
With no annual or ongoing monthly fees, free redraw facility and the flexibility to make up to $5,000 in total extra repayments during your fixed rate term.
Fixed Rate Loan
With no annual or ongoing monthly fees, free redraw facility and the flexibility to make up to $5,000 in total extra repayments during your fixed rate term.
-
2.98% p.a.
fixed 3 years -
4.39% p.a.
-
$835
-
$0.00
-
$500.00
-
yes - up to $5,000 during fixed rate term
-
yes - free
-
no
-
95.00%
-
$10,000
-
$5,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Monthly
-
Read our Mozo Review to learn more about the Fixed Rate Loan
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-
Promoted
Newcastle Permanent 2.99% p.a.
fixed 3 years3.99% p.a.
$1234
Product details Close detailsNewcastle Permanent Fixed Rate Home Loan Premium Plus Package
Owner Occupier, Principal & Interest
2.99% p.a.
fixed 3 years3.99% p.a.
Winner of two Mozo Experts Choice Awards 2019 - Fixed Rate Home Loan & Investor Fixed Home Loan.^
Fixed Rate Home Loan Premium Plus Package
Winner of two Mozo Experts Choice Awards 2019 - Fixed Rate Home Loan & Investor Fixed Home Loan.^
-
2.99% p.a.
fixed 3 years -
3.99% p.a.
-
$0
-
$395.00 yearly
-
$0.00
-
yes - free up to $25,000 p.a.
-
yes - free
-
no
-
95.00%
-
$5,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Rate Home Loan
-
-
Promoted
UBank 2.74% p.a.
fixed 1 year3.61% p.a.
$1234
Product details Close detailsUBank UHomeLoan
Owner Occupier, Principal & Interest
2.74% p.a.
fixed 1 year3.61% 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. Winner of a Mozo Experts Choice Award 2019 in the Fixed Rate Home Loan category.^
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. Winner of a Mozo Experts Choice Award 2019 in the Fixed Rate Home Loan category.^
-
2.74% p.a.
fixed 1 year -
3.61% p.a.
-
$395
-
$0.00
-
$0.00
-
yes - free up to $20,000 p.a.
-
no
-
no
-
80.00%
-
$100,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the UHomeLoan
-
-
Promoted
IMB Bank2.84% p.a.
fixed 3 years3.44% p.a.
$1234
Product details Close detailsIMB BankFixed Home Loan
LVR<90%, Owner Occupier, Principal & Interest
2.84% p.a.
fixed 3 years3.44% p.a.
Free extra repayments up to 1 year in advance & borrow up to 90% of the property value
Fixed Home Loan
Free extra repayments up to 1 year in advance & borrow up to 90% of the property value
-
2.84% p.a.
fixed 3 years -
3.44% p.a.
-
$799
-
$6.00 monthly
-
$350.00
-
yes - free up to 1 year in advance
-
yes - free
-
no
-
90.00%
-
$10,000
-
$5,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Home Loan
-
-
Promoted
UBank 2.84% p.a.
fixed 3 years3.77% p.a.
$1234
Product details Close detailsUBank Fixed UHomeLoan
Investment, Principal & Interest
2.84% p.a.
fixed 3 years3.77% p.a.
Fast, easy to apply and no monthly account fees.
Fixed UHomeLoan
Fast, easy to apply and no monthly account fees.
-
2.84% p.a.
fixed 3 years -
3.77% p.a.
-
$395
-
$0.00
-
$0.00
-
yes - free up to $20,000 p.a.
-
no
-
no
-
80.00%
-
$100,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Investor
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed UHomeLoan
-
-
Promoted
Newcastle Permanent 2.99% p.a.
fixed 2 years4.06% p.a.
$1234
Product details Close detailsNewcastle Permanent Fixed Rate Home Loan Premium Plus Package
Owner Occupier, Principal & Interest
2.99% p.a.
fixed 2 years4.06% p.a.
Winner of two Mozo Experts Choice Awards 2019 - Fixed Rate Home Loan & Investor Fixed Home Loan.^
Fixed Rate Home Loan Premium Plus Package
Winner of two Mozo Experts Choice Awards 2019 - Fixed Rate Home Loan & Investor Fixed Home Loan.^
-
2.99% p.a.
fixed 2 years -
4.06% p.a.
-
$0
-
$395.00 yearly
-
$0.00
-
yes - free up to $25,000 p.a.
-
yes - free
-
no
-
95.00%
-
$5,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Rate Home Loan
-
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