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

Smart Loan Fixed

Investment, Interest Only

interest
rate

3.89% p.a.
fixed 2 years

comparison
rate*

4.32% p.a.

Initial monthly
repayment**

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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- interest rate
  
  3.99% p.a.
  fixed 3 years
- comparison rate*
  
  4.31% p.a.
- upfront fees
  
  $520
- Ongoing fees
  
  $0.00
- Discharge Fee
  
  $0.00
- Extra repayments
  
  yes - free up to $10,000 p.a.
- Redraw facility
  
  no
- Offset account
  
  no
- Maximum loan to value ratio
  
  80.00%
- Minimum loan amount
  
  $50,000
- Maximum loan amount
  
  $1,000,000
- Type of loan
  
  Fixed
- Repayment types
  
  Interest Only
- Availability
  
  Investor
- Repayment options
  
  Weekly, Fortnightly, Monthly
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Queensland Country Credit Union

Special Fixed Ultimate Home Loan

Principal & Interest

interest
rate

3.74% p.a.
fixed 2 years

comparison
rate*

4.50% p.a.

Initial monthly
repayment**

A loan with lots of features and discounts. No establishment, document or monthly loan maintenance fees on eligible loan products.

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- interest rate
  
  n/a
- comparison rate*
  
  n/a
- upfront fees
  
  $0
- Ongoing fees
  
  $350.00 yearly
- Discharge Fee
  
  $0.00
- Extra repayments
  
  yes - free
- Redraw facility
  
  yes - free
- Offset account
  
  yes
- Maximum loan to value ratio
  
  90.00%
- Minimum loan amount
  
  $100,000
- Maximum loan amount
  
  $5,000,000
- Type of loan
  
  Fixed
- Repayment types
  
  Principal & Interest
- Availability
  
  Owner, Occupier,, Investor
- Repayment options
  
  Weekly, Fortnightly, Monthly
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UBank

UHomeLoan

Owner Occupier, Interest Only

interest
rate

3.59% p.a.
fixed 1 year

comparison
rate*

4.14% p.a.

Initial monthly
repayment**

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

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- interest rate
  
  3.74% p.a.
  fixed 3 years
- comparison rate*
  
  4.01% p.a.
- upfront fees
  
  $395
- Ongoing fees
  
  $0.00
- Discharge Fee
  
  $0.00
- Extra repayments
  
  yes - free up to $20,000 p.a.
- Redraw facility
  
  no
- Offset account
  
  no
- Maximum loan to value ratio
  
  80.00%
- Minimum loan amount
  
  $100,000
- Maximum loan amount
  
  $2,000,000
- Type of loan
  
  Fixed
- Repayment types
  
  Interest Only
- Availability
  
  Owner Occupier
- Repayment options
  
  Weekly, Fortnightly, Monthly
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Beyond Bank

3 Year Fixed Rate Total Home Loan Special

Owner Occupier, LVR<80%

interest
rate

3.83% p.a.
fixed 3 years

comparison
rate*

4.90% p.a.

Initial monthly
repayment**

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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- interest rate
  
  3.83% p.a.
  fixed 3 years
- comparison rate*
  
  4.90% p.a.
- upfront fees
  
  $0
- Ongoing fees
  
  $395.00 yearly
- Discharge Fee
  
  $350.00
- Extra repayments
  
  yes - free up to $25,000 p.a.
- Redraw facility
  
  yes - fees apply
- Offset account
  
  yes - 1 year fixed term only
- Maximum loan to value ratio
  
  80.00%
- Minimum loan amount
  
  $150,000
- Maximum loan amount
  
  $2,000,000
- Type of loan
  
  Fixed
- Repayment types
  
  Principal & Interest
- Availability
  
  Owner Occupier
- Repayment options
  
  Weekly, Fortnightly, Monthly
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Newcastle Permanent

Fixed Rate Home Loan

Owner Occupier, Principal & Interest

interest
rate

3.94% p.a.
fixed 2 years

comparison
rate*

4.91% p.a.

Initial monthly
repayment**

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

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- interest rate
  
  3.99% p.a.
  fixed 3 years
- comparison rate*
  
  4.82% p.a.
- upfront fees
  
  $0
- Ongoing fees
  
  $0.00
- Discharge Fee
  
  $0.00
- Extra repayments
  
  yes - free up to $25,000 p.a.
- Redraw facility
  
  no
- Offset account
  
  no
- Maximum loan to value ratio
  
  95.00%
- Minimum loan amount
  
  $5,000
- Maximum loan amount
  
  -
- Type of loan
  
  Fixed
- Repayment types
  
  Principal & Interest
- Availability
  
  Owner Occupier
- Repayment options
  
  Weekly, Fortnightly, Monthly
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*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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