Fixed rate home loans to lock in a bargain

Kelly Emmerton

26 Sep 2017

redactor/hero-images/112/OBS_content.jpg

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

  • Promoted

    UBank

    3.59% p.a.
    fixed 1 year

    4.14% p.a.

    $1234

    Product details Close details
    Go to site
    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

    Go to site

  • Promoted

    loans.com.au

    3.48% p.a.
    fixed 3 years

    3.85% p.a.

    $1234

    Product details Close details
    Go to site
    Fixed Rate Special Offer

    This 3 Year Fixed Rate Special Offer for purchase or refinance, with rate lock option available. No monthly or ongoing fees.

    • 3.48% p.a.
      fixed 3 years

    • 3.85% 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

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

    Read our Mozo Review to learn more about the Fixed Rate Special Offer

    Go to site

  • Promoted

    Virgin Money

    3.68% p.a.
    fixed 2 years

    3.77% p.a.

    $1234

    Product details Close details
    First Home Buyer Special Offer Reward Me Fixed 2 Year Rate Home Loan

    Receive 20,000 Velocity Points for every $100,000 drawn at settlement. Access a 100% offset account to save on interest.

    • n/a

    • n/a

    • $0

    • $10.00 monthly

    • $320.00

    • yes - up to $10,000 per annum

    • no

    • yes - 1 year fixed term only

    • 90.00%

    • $300,000

    • -

    • Fixed

    • Principal & Interest

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

    Read our Mozo Review to learn more about the First Home Buyer Special Offer Reward Me Fixed 2 Year Rate Home Loan

  • Promoted

    NAB

    3.89% p.a.
    fixed 1 year

    4.84% p.a.

    $1234

    Product details Close details
    Find out more
    Tailored Home Loan Choice Package

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

    • 3.79% p.a.
      fixed 3 years

    • 4.89% p.a.

    • $0

    • $395.00 yearly

    • $350.00

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

    • no

    • no

    • 95.00%

    • $250,000

    • $749,999

    • Fixed

    • Principal & Interest

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

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

    Find out more

  • Promoted

    Tic:Toc

    3.39% p.a.
    fixed 1 year

    3.56% p.a.

    $1234

    Product details Close details
    Go to site
    Fixed Home Loan

    Get full approval online. Tic:Toc’s award-winning platform could save you thousands with low fixed rates and no application, valuation or settlement fees. Fee free redraws. Add an optional offset account for $10 per month. Mozo Experts Choice Awards - Online Home Lender of the Year 2019

    • n/a

    • n/a

    • $0

    • $0.00

    • $325.00

    • yes - free, up to $20,000

    • yes - free

    • Optional - $10 per month

    • 80.00%

    • $50,000

    • $2,000,000

    • Fixed

    • Principal & Interest

    • Owner Occupier

    • Weekly, Fortnightly, Monthly

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

    Go to site

*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.

Mozo may receive advertising fees from the financial institutions, issuers of financial or credit products and third party advice providers that are shown on this page. These fees are based on a cost per click, cost per acquisition, or a fixed fee.

The new online loan trend that could save you a fortune

5 killer lenders taking on the big banks in 2019

Tell me more

APRA to change home loan assessment guidelines, but is it for the best?

Loans.com.au announces rock bottom 3.48% fixed home loan rate

Tell me more

Home loan discount frenzy drives bargains for borrowers

ME jumps on the bandwagon, cuts rates for owner occupiers and investors

Tell me more

Four in five home borrowers make $18,000 mistake

Lowest in the market: online lender Tic:Toc slashes variable rate to 3.47%

Tell me more

Prime Minister promises Aussie first home buyers would only pay a 5% deposit if his government was re-elected