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:

Top fixed rate home loans - rates updated daily

  • loans.com.au

    3.89% p.a.
    fixed 2 years

    4.32% p.a.

    $1234

    Product details Close details
    Smart Loan Fixed Package

    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

    • Interest Only

    • Investor

    • Weekly, Fortnightly, Monthly

    Read our Mozo Review to learn more about the Smart Loan Fixed Package

  • Newcastle Permanent

    3.94% p.a.
    fixed 2 years

    4.91% p.a.

    $1234

    Product details Close details
    Fixed Rate Home Loan

    Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018.^

    • 4.04% p.a.
      fixed 3 years

    • 4.84% p.a.

    • $0

    • $0.00

    • $0.00

    • yes - free up to $25,000 p.a.

    • no

    • 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

  • UBank

    3.59% p.a.
    fixed 1 year

    4.14% p.a.

    $1234

    Product details Close details
    UHomeLoan

    $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

    • Weekly, Fortnightly, Monthly

    Read our Mozo Review to learn more about the UHomeLoan

  • Bank Australia

    3.89% p.a.
    fixed 3 years

    3.99% p.a.

    $1234

    Product details Close details
    Basic Home Loan

    Free redraw & no monthly fees. Repayment pause available.

    • 3.89% p.a.
      fixed 3 years

    • 3.99% p.a.

    • $0

    • $0.00

    • $250.00

    • no

    • no

    • no

    • 95.00%

    • $10,000

    • -

    • Fixed

    • Principal & Interest

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

    Read our Mozo Review to learn more about the Basic Home Loan

  • Beyond Bank

    3.83% p.a.
    fixed 3 years

    4.89% p.a.

    $1234

    Product details Close details
    3 Year Fixed Rate Total Home Loan Special Package

    Enjoy a competitive fixed interest rate with no establishment fee, availability to make additional repayments and no annual Fee on their Low Rate Credit Card.

    • 3.83% p.a.
      fixed 3 years

    • 4.89% p.a.

    • $0

    • $395.00 yearly

    • $350.00

    • yes - free up to $25,000 p.a.

    • yes - fees apply

    • yes - 1 year fixed term only

    • 80.00%

    • $150,000

    • $2,000,000

    • Fixed

    • Principal & Interest

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

    Read our Mozo Review to learn more about the 3 Year Fixed Rate Total Home Loan Special Package

*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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