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Fixed Rate Home Loans

  • Ah yes, all the security of fixed interest rates and repayments, with none of the risk of variable rates and bank interest rates changes. A fixed rate home loan is a great option if you'd prefer to lock in your home loan repayments.

  • What's better a variable, split or fixed rate home loan?

    Well isn't that the $64,000 question. Literally. There's no easy answer, but having a quick play with our home loan calculators particularly the home loan comparison calculator will show you the overall cost of different types of loan.

  • Can I apply for fixed home loan rate online?

    Well yes! Click through to home loan lenders and kick off the application process immediately simply hit the Go to site button.

  • I'm still not sure about this fixed rate loan! Can a mortgage broker help me decide?

    Well might you ask mortgage brokers can help find the right type of home loan for your needs (along with finding you insider deals and helping out with the home loan application). And Mozo's home loan negotiator service is a simple (and free) way to find the right home loan for your situation.

Home loan comparisons on Mozo Rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150k, Owner Occupier) (Fixed, Package)

    Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150k, Owner Occupier) (Fixed, Package)

    • Experts Choice Winner 2016
    • No establishment fee. No monthly fees. Free internet redraw facility
    • NSW, QLD, ACT customers only

    interest rate

    3.59% p.a.
    fixed 1 year

    comparison rate*

    4.42% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner 2016
    • No establishment fee. No monthly fees. Free internet redraw facility
    • NSW, QLD, ACT customers only
    • Interest rate: 3.59% p.a.
      fixed 1 year
    • Comparison rate*: 4.42% p.a.
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - fee applies
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 85.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 62 Greater Bank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    UBank UHomeLoan (Owner Occupier, Principal & Interest) (Fixed)

    UBank UHomeLoan (Owner Occupier, Principal & Interest) (Fixed)

    • Experts Choice Winner - Home Loans 2016
    • Apply online and get a decision in just 30 minutes
    • Make additional repayments (fee applies)

    interest rate

    3.69% p.a.
    fixed 1 year

    comparison rate*

    4.15% p.a.

    Upfront fees

    $395

    Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • Apply online and get a decision in just 30 minutes
    • Make additional repayments (fee applies)
    • Interest rate: 3.69% p.a.
      fixed 1 year
    • Comparison rate*: 4.15% p.a.
    • Upfront fees: $395
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - fee applies
    • 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: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • CUA Fixed Rate Loan (Owner Occupier)

    CUA Fixed Rate Loan (Owner Occupier)

    • Flexible repayment options
    • A fixed rate for more security
    • No ongoing fees

    interest rate

    3.69% p.a.
    fixed 2 years

    comparison rate*

    4.56% p.a.

    Upfront fees

    $795

    Go to site

    More info

    • Flexible repayment options
    • A fixed rate for more security
    • No ongoing fees
    • Interest rate: 3.69% p.a.
      fixed 2 years
    • Comparison rate*: 4.56% p.a.
    • Upfront fees: $795
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - up to $5,000 during fixed rate term
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 89 CUA home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Fixed Rate Home Loan (Owner Occupier)

    Newcastle Permanent Fixed Rate Home Loan (Owner Occupier)

    • Experts Choice - Home Lender of the Year 2016
    • Borrow up to 95% of the property value
    • No ongoing account fees. Free extra repayments up to $25k p.a.

    interest rate

    3.99% p.a.
    fixed 2 years

    comparison rate*

    4.81% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • Borrow up to 95% of the property value
    • No ongoing account fees. Free extra repayments up to $25k p.a.
    • Interest rate: 3.99% p.a.
      fixed 2 years
    • Comparison rate*: 4.81% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee:
    • 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, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

  • Community First Credit Union Special 3 year Fixed Rate Home Loan (Owner Occupier)

    Community First Credit Union Special 3 year Fixed Rate Home Loan (Owner Occupier)

    • 100% offset account attached
    • No monthly or annual fees
    • Make additional repayments up $25,000 p.a without penalty

    interest rate

    3.69% p.a.
    fixed 3 years

    comparison rate*

    4.93% p.a.

    Upfront fees

    $990

    Go to site

    More info

    • 100% offset account attached
    • No monthly or annual fees
    • Make additional repayments up $25,000 p.a without penalty
    • Interest rate: 3.69% p.a.
      fixed 3 years
    • Comparison rate*: 4.93% p.a.
    • Upfront fees: $990
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free up to $25,000 p.a.
    • Redraw facility: yes - fees apply
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Monthly, Fortnightly, Weekly
    Overall rating

    8.5

    Based on 4 Community First Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • BCU Fixed Rate Home Loan Special (Owner Occupier)

    BCU Fixed Rate Home Loan Special (Owner Occupier)

    • Credit Union of the Year by Money Magazine
    • $0 Annual Fee on the bcu Classic Credit Card
    • Rated 8.8/10 by Mozo Community

    interest rate

    3.70% p.a.
    fixed 3 years

    comparison rate*

    4.23% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • Credit Union of the Year by Money Magazine
    • $0 Annual Fee on the bcu Classic Credit Card
    • Rated 8.8/10 by Mozo Community
    • Interest rate: 3.70% p.a.
      fixed 3 years
    • Comparison rate*: 4.23% p.a.
    • Upfront fees: $600
    • Ongoing fees: $495.00 yearly
    • Discharge fee: $395.00
    • Extra repayments: yes - fee applies
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.9

    Based on 13 BCU home loan reviews

    Need more information?
    Go to site

    More info

  • Bank Australia Basic Home Loan (Fixed, Owner Occupier)

    Bank Australia Basic Home Loan (Fixed, Owner Occupier)

    • No monthly fees
    • Free redraw
    • Repayment pause available

    interest rate

    3.74% p.a.
    fixed 3 years

    comparison rate*

    4.12% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • No monthly fees
    • Free redraw
    • Repayment pause available
    • Interest rate: 3.74% p.a.
      fixed 3 years
    • Comparison rate*: 4.12% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: no
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier) (Package)

    Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier) (Package)

    • No annual fee on a credit card of your choice
    • 10% off Australian Unity Health Insurance
    • Owner occupied only

    interest rate

    3.84% p.a.
    fixed 3 years

    comparison rate*

    3.99% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • No annual fee on a credit card of your choice
    • 10% off Australian Unity Health Insurance
    • Owner occupied only
    • Interest rate: 3.84% p.a.
      fixed 3 years
    • Comparison rate*: 3.99% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free up to $10,000 p.a.
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • NAB Tailored Home Loan (Owner Occupier, Principal & Interest) (Fixed, Choice Package)

    NAB Tailored Home Loan (Owner Occupier, Principal & Interest) (Fixed, Choice Package)

    • No upfront fees
    • Make free extra repayments up to $20K in the fixed period
    • Repayment holidays available

    interest rate

    3.89% p.a.
    fixed 3 years

    comparison rate*

    4.84% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • No upfront fees
    • Make free extra repayments up to $20K in the fixed period
    • Repayment holidays available
    • Interest rate: 3.89% p.a.
      fixed 3 years
    • Comparison rate*: 4.84% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $20,000 during the fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $249,999
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 864 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • CUA Premium Fixed Rate Loan (Owner Occupier)

    CUA Premium Fixed Rate Loan (Owner Occupier)

    • Redraw facility on advanced repayments
    • 100% offset account available
    • $0 monthly account keeping fees

    interest rate

    3.91% p.a.
    fixed 2 years

    comparison rate*

    4.60% p.a.

    Upfront fees

    $795

    Go to site

    More info

    • Redraw facility on advanced repayments
    • 100% offset account available
    • $0 monthly account keeping fees
    • Interest rate: 3.91% p.a.
      fixed 2 years
    • Comparison rate*: 4.60% p.a.
    • Upfront fees: $795
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free up to $50,000 during fixed rate term
    • Redraw facility: yes - free
    • Offset account: yes - up to $50,000 can be offset during fixed rate term
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 89 CUA home loan reviews

    Need more information?
    Go to site

    More info

  • Bankwest Complete Fixed Home Loan (LVR<90%, Owner Occupier) (Package)

    Bankwest Complete Fixed Home Loan (LVR<90%, Owner Occupier) (Package)

    • $0 home loan application fees
    • $0 annual fee on your choice of rewards credit cards
    • $0 property valuation fees with your home loan application

    interest rate

    3.98% p.a.
    fixed 5 years

    comparison rate*

    4.35% p.a.

    Upfront fees

    $150

    Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of rewards credit cards
    • $0 property valuation fees with your home loan application
    • Interest rate: 3.98% p.a.
      fixed 5 years
    • Comparison rate*: 4.35% p.a.
    • Upfront fees: $150
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free up to $10,000 a year
    • Redraw facility: no
    • Offset account: yes - partial only
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 315 Bankwest home loan reviews

    Need more information?
    Go to site

    More info

  • Bankwest Complete Fixed Home Loan (LVR 80-90%, Investment) (Package)

    Bankwest Complete Fixed Home Loan (LVR 80-90%, Investment) (Package)

    • Receive a minimum 50% discount on a depreciation schedule prepared by DEPPRO
    • $0 annual fee on your choice of rewards credit cards
    • $0 home loan application fees

    interest rate

    3.98% p.a.
    fixed 5 years

    comparison rate*

    4.62% p.a.

    Upfront fees

    $150

    Go to site

    More info

    • Receive a minimum 50% discount on a depreciation schedule prepared by DEPPRO
    • $0 annual fee on your choice of rewards credit cards
    • $0 home loan application fees
    • Interest rate: 3.98% p.a.
      fixed 5 years
    • Comparison rate*: 4.62% p.a.
    • Upfront fees: $150
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free up to $10,000 a year
    • Redraw facility: no
    • Offset account: yes - partial only
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 315 Bankwest home loan reviews

    Need more information?
    Go to site

    More info

  • Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier) (Package)

    Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier) (Package)

    • No annual fee on a credit card of your choice
    • 10% off Australian Unity Health Insurance
    • Owner occupied only

    interest rate

    3.99% p.a.
    fixed 1 year

    comparison rate*

    4.02% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • No annual fee on a credit card of your choice
    • 10% off Australian Unity Health Insurance
    • Owner occupied only
    • Interest rate: 3.99% p.a.
      fixed 1 year
    • Comparison rate*: 4.02% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free up to $10,000 p.a.
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

Want more? Compare all 497 home loans in the Mozo comparison engine.

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* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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