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.
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1.79% p.a.
fixed 1 year2.18% p.a.
$1234
Product details Close detailsUHomeLoan
Owner Occupier, Principal & Interest
1.79% p.a.
fixed 1 year2.18% p.a.
Fast, easy to apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans.
UHomeLoan
Fast, easy to apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans.
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1.79% p.a.
fixed 1 year -
2.18% p.a.
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$0
-
$0.00
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$0.00
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yes - free up to $20,000 during fixed rate term
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no
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no
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$0
-
80.00%
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$100,000
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$2,000,000
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Fixed
-
Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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$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
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2.27% p.a.
fixed 2 years1.95% p.a.
$1234
Product details Close detailsWell Balanced Fixed
Owner Occupier, Principal & Interest, LVR <80%
2.27% p.a.
fixed 2 years1.95% 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.
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2.27% p.a.
fixed 2 years -
1.95% p.a.
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$785
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$0.00
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$300.00
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yes - free
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yes - free
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Optional - $10 per month
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$785
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80.00%
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$200,000
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$2,000,000
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Fixed
-
Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Well Balanced Fixed
Details Close
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2.34% p.a.
fixed 2 years2.59% p.a.
$1234
Product details Close detailsOwn Home Loan
Fixed, Owner Occupier, Principal & Interest, LVR <60%
2.34% p.a.
fixed 2 years2.59% p.a.
Competitive fixed rate. Multiple offset accounts available. Borrowers can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
Own Home Loan
Competitive fixed rate. Multiple offset accounts available. Borrowers can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
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2.34% p.a.
fixed 2 years -
2.59% p.a.
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$250
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$250.00 yearly
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$0.00
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yes - free up to $20,000 per fixed rate term
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yes - free
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yes
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$250
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60.00%
-
-
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
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Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Own Home Loan
Details Close
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2.54% p.a.
fixed 2 years3.78% p.a.
$1234
Product details Close detailsSpecial Fixed Rate Home Loan Premium Plus Package
Owner Occupier, Principal & Interest
2.54% p.a.
fixed 2 years3.78% 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.
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2.54% p.a.
fixed 2 years -
3.78% p.a.
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$0
-
$395.00 yearly
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$0.00
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yes - free up to $25,000 p.a.
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yes - free
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no
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$0
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80.00%
-
-
-
-
-
Fixed
-
Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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$2,000 cashback when you refinance your home loan from another financial institution when you apply by 31 March 2022 and are funded by 31 May 2022, min $250k, LVR <80%
Read our Mozo Review to learn more about the Special Fixed Rate Home Loan
Details Close
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Mozo experts choice awards won:
- Fixed Rate Home Loan - 2021
2.59% p.a.
fixed 2 years3.17% p.a.
$1234
Product details Close details
Mozo experts choice awards won:
- Fixed Rate Home Loan - 2021
Discount Fixed Rate
Owner Occupier, Principal & Interest, <80% LVR
2.59% p.a.
fixed 2 years3.17% p.a.
Lock in a competitive rate for 2 years. Only 20% deposit required. Flexible repayment options and make up to $5,000 in additional repayments annually. Refinance to BOQ by 31 January 2022 and get $3,000 cashback (T&Cs apply).
Discount Fixed Rate
Lock in a competitive rate for 2 years. Only 20% deposit required. Flexible repayment options and make up to $5,000 in additional repayments annually. Refinance to BOQ by 31 January 2022 and get $3,000 cashback (T&Cs apply).
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2.59% p.a.
fixed 2 years -
3.17% p.a.
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$450
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$10.00 monthly
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$350.00
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yes - free up to $5,000 p.a
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no
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no
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$450
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80.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
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Weekly, Fortnightly, Monthly
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$3,000 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 January 2022, settle by 29 April 2022.
Read our Mozo Review to learn more about the Discount Fixed Rate
Details Close
^See information about the Mozo Experts Choice Home loans Awards
