Fixed rate home loans to lock in a bargain
26 Sep 2017
If you’re the kind of person who likes to know what’s around the corner, then you might be on the search for a fixed rate home loan - and we’ve got good news for you!
This month alone there has already been fixed rate cuts from 15 lenders, with an average drop of 0.17%, which means now could be the perfect time to lock in a great low rate on your home loan.
But low rates aren’t the only reason to choose a fixed rate. It also means you’ll be able to plan a budget to fit your repayments for the next 12 months, five years, or even the next decade!
To get started on locking down a great deal, check out our handpicked list of fixed rate mortgage options below:
Top fixed rate home loans
Rates updated daily. Advertiser disclosure.
-
" style="width:60px;">
Mozo experts choice awards won:
- Investor Fixed Home Loan - 2021
- Split Home Loan - 2021
1.85% p.a.
fixed 3 years2.24% p.a.
$1234
Product details Close details
Mozo experts choice awards won:
- Investor Fixed Home Loan - 2021
- Split Home Loan - 2021
UHomeLoan
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.
-
1.85% p.a.
fixed 3 years -
2.24% p.a.
-
$0
-
$0.00
-
$0.00
-
yes - free up to $20,000 during fixed rate term
-
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.
Read our Mozo Review to learn more about the UHomeLoan
Details Close
-
2.09% p.a.
fixed 3 years2.32% p.a.
$1234
Product details Close detailsBasic Home Loan
Fixed, Owner Occupier, Principal & Interest, LVR<70%
2.09% p.a.
fixed 3 years2.32% p.a.
No upfront or ongoing fees. Free extra repayments and redraw facility. Option to earn Qantas points. Min 30% deposit required. Borrow up to $750,000.
Basic Home Loan
No upfront or ongoing fees. Free extra repayments and redraw facility. Option to earn Qantas points. Min 30% deposit required. Borrow up to $750,000.
-
2.09% p.a.
fixed 3 years -
2.32% 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
-
-
1.89% p.a.
fixed 2 years3.67% p.a.
$1234
Product details Close detailsSpecial Fixed Rate Home Loan Premium Plus Package
Owner Occupier, Principal & Interest
1.89% p.a.
fixed 2 years3.67% p.a.
Lock in a low fixed rate or choose to split your loan between fixed and variable. Insurance discounts and no fee credit card or zero fee personal loan available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer extended, T&Cs apply.
Special Fixed Rate Home Loan Premium Plus Package
Lock in a low fixed rate or choose to split your loan between fixed and variable. Insurance discounts and no fee credit card or zero fee personal loan available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer extended, T&Cs apply.
-
1.89% p.a.
fixed 2 years -
3.67% 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 17 December 2021 and are funded by 28 February 2022, min $250k, LVR <80%
Read our Mozo Review to learn more about the Special Fixed Rate Home Loan
Details Close
-
-
1.95% p.a.
fixed 2 years2.02% p.a.
$1234
Product details Close detailsWell Balanced Fixed
Owner Occupier, Principal & Interest, LVR <80%
1.95% p.a.
fixed 2 years2.02% p.a.
Super low fixed rate and only 20% deposit required. Optional 100% offset account. Free extra repayments and redraw facility. Flexible repayment schedule.
Well Balanced Fixed
Super low fixed rate and only 20% deposit required. Optional 100% offset account. Free extra repayments and redraw facility. Flexible repayment schedule.
-
1.95% p.a.
fixed 2 years -
2.02% 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
-
-
Mozo experts choice awards won:
- Australia's Best Large Mutual Bank - 2021
1.99% p.a.
fixed 3 years2.59% p.a.
$1234
Product details Close details Mozo experts choice awards won:
- Australia's Best Large Mutual Bank - 2021
Fixed Rate Home Loan
Owner Occupier, Principal & Interest, LVR<80%
1.99% p.a.
fixed 3 years2.59% p.a.
Competitive fixed rates across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year). Winner of Australia's Best Large Mutual Bank 2021.
Fixed Rate Home Loan
Competitive fixed rates across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year). Winner of Australia's Best Large Mutual Bank 2021.
-
1.99% p.a.
fixed 3 years -
2.59% p.a.
-
$0
-
$0.00
-
$275.00
-
yes - free up to $10,000 p.a.
-
no
-
no
-
$0
-
80.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Monthly, Fortnightly, Weekly
-
Read our Mozo Review to learn more about the Fixed Rate Home Loan
Details Close
^See information about the Mozo Experts Choice Home loans Awards
