Fixed rate home loans to lock in a bargain
Kelly Emmerton | 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
- loans.com.au
3.89% p.a.
fixed 2 years4.32% p.a.
$1234
Product details Close detailsloans.com.auSmart Loan Fixed Package
Investment, Interest Only
3.89% p.a.
fixed 2 years4.32% 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.
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.
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3.99% p.a.
fixed 3 years -
4.31% p.a.
-
$520
-
$0.00
-
$0.00
-
yes - free up to $10,000 p.a.
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no
-
no
-
80.00%
-
$50,000
-
$1,000,000
-
Fixed
-
Interest Only
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Investor
-
Weekly, Fortnightly, Monthly
Read our Mozo Review to learn more about the Smart Loan Fixed Package
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- Newcastle Permanent
3.94% p.a.
fixed 2 years4.91% p.a.
$1234
Product details Close detailsNewcastle Permanent Fixed Rate Home Loan
Owner Occupier, Principal & Interest
3.94% p.a.
fixed 2 years4.91% p.a.
Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018.^
Fixed Rate Home Loan
Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018.^
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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
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- UBank
3.59% p.a.
fixed 1 year4.14% p.a.
$1234
Product details Close detailsUBankUHomeLoan
Owner Occupier, Interest Only
3.59% p.a.
fixed 1 year4.14% p.a.
$0 ongoing fees, $0 annual fees & easy apply. Choose between weekly, fortnightly or monthly repayments.
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.
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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
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- Bank Australia
3.89% p.a.
fixed 3 years3.99% p.a.
$1234
Product details Close detailsBank AustraliaBasic Home Loan
Fixed, Owner Occupier
3.89% p.a.
fixed 3 years3.99% p.a.
Free redraw & no monthly fees. Repayment pause available.
Basic Home Loan
Free redraw & no monthly fees. Repayment pause available.
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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
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- Beyond Bank
3.83% p.a.
fixed 3 years4.89% p.a.
$1234
Product details Close detailsBeyond Bank3 Year Fixed Rate Total Home Loan Special Package
Owner Occupier, LVR<80%
3.83% p.a.
fixed 3 years4.89% p.a.
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 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.
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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
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yes - 1 year fixed term only
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80.00%
-
$150,000
-
$2,000,000
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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
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