Fixed rate home loans to lock in a bargain

Kelly Emmerton   |   26 Sep 2017

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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:

Fixed rate home loan comparisons on Mozo - rates updated daily

  • Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    3.59% p.a.
    fixed 1 year

    4.68% p.a.

    Experts Choice - Home Lender of the Year 2018

    • 3.74% p.a.
      fixed 3 years

    • 4.59% 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

    Details Close

  • Smart Loan Fixed

    Investment, Interest Only

    3.89% p.a.
    fixed 2 years

    4.32% p.a.

    Available for both Principal & Interest and Interest only. Available for purchase or refinance. 2 or 3 year fixed rate options available. No ongoing fees. Package your home loan with your investment and get the same low fixed rate.

    • 3.99% p.a.
      fixed 3 years

    • 4.31% 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, Interest Only

    • Investor

    • Weekly, Fortnightly, Monthly

    Details Close

  • Flexible Home Loan

    Fixed, Owner Occupier, LVR<80%, Principal & Interest

    4.14% p.a.
    fixed 3 years

    4.81% p.a.

    Option to split your loan into fixed and variable

    • 4.14% p.a.
      fixed 3 years

    • 4.81% p.a.

    • $400

    • $0.00

    • $300.00

    • yes - free up to $30,000 during fixed rate period

    • no

    • no

    • 80.00%

    • $40,000

    • -

    • Fixed

    • Principal & Interest

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

    Details Close

  • Tailored Home Loan

    Owner Occupier, Principal & Interest, Fixed

    3.98% p.a.
    fixed 2 years

    5.14% p.a.

    No upfront fees & Make free extra repayments up to $20K in the fixed period

    • 4.04% p.a.
      fixed 3 years

    • 5.05% p.a.

    • $600

    • $8.00 monthly

    • $350.00

    • yes - free up to $20,000 during the fixed rate period

    • no

    • no

    • 95.00%

    • $20,000

    • -

    • Fixed

    • Principal & Interest

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

    Details Close

  • UHomeLoan

    Owner Occupier, Interest Only

    3.59% p.a.
    fixed 1 year

    4.14% p.a.

    $0 ongoing fees, $0 annual fees & easy apply. Choose between weekly, fortnightly or monthly repayments.

    • 3.74% p.a.
      fixed 3 years

    • 4.01% 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

    • Interest Only

    • Owner Occupier

    • Monthly

    Details Close

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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