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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 and mortgage 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?

    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

  • Discount Ultimate Home Loan Fixed, Package

    LVR<90%, over $150k, Owner Occupier

    • Unlimited free online redraws
    • No establishment fee. No monthly fees.
    • NSW, QLD, ACT customers only

    interest
    rate

    3.49% p.a.
    fixed 1 year

    comparison
    rate*

    4.47% p.a.

    Upfront
    fees

    $0

    initial monthly
    repayment**

  • Fixed Home Loan Platinum Package

    LVR<90%, Owner Occupier

    • Lower monthly repayments with life-of-loan discounts
    • 10% discount for the first year on Home and Contents Insurance
    • An IMB Everyday Unlimited transaction account with no monthly account keeping fee

    interest
    rate

    3.65% p.a.
    fixed 2 years

    comparison
    rate*

    4.84% p.a.

    Upfront
    fees

    $324

    initial monthly
    repayment**

  • Fixed Home Loan

    LVR<90%, Owner Occupier

    • Free extra repayments up to 1 year in advance
    • Free internet and mobile banking redraws
    • Borrow up to 90% of the property value

    interest
    rate

    3.75% p.a.
    fixed 2 years

    comparison
    rate*

    4.78% p.a.

    Upfront
    fees

    $769

    initial monthly
    repayment**

  • Flexible Home Loan

    Fixed, Owner Occupier, LVR<80%, Principal & Interest

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest
    rate

    3.84% p.a.
    fixed 2 years

    comparison
    rate*

    4.83% p.a.

    Upfront
    fees

    $400

    initial monthly
    repayment**

  • Complete Fixed Home Loan Package

    LVR<90%, Owner Occupier, Principal & Interest

    • $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

    3.88% p.a.
    fixed 2 years

    comparison
    rate*

    4.40% p.a.

    Upfront
    fees

    $250

    initial monthly
    repayment**

  • Fixed Rate Home Loan Premium Plus Package

    Owner Occupier, Principal & Interest

    • $0 application fee for Personal and Car Loans
    • $0 annual Value+ Credit Card Fee
    • Make additional repayments of up to $25,000 p.a.

    interest
    rate

    3.89% p.a.
    fixed 3 years

    comparison
    rate*

    4.61% p.a.

    Upfront
    fees

    $0

    initial monthly
    repayment**

  • Fixed Loan

    Owner Occupier

    • Option to make additional or lump sum repayments
    • Interest-only option for investment loans up to 5 years
    • Unrestricted reborrow facility and limits from $20,000

    interest
    rate

    3.89% p.a.
    fixed 1 year

    comparison
    rate*

    5.12% p.a.

    Upfront
    fees

    $150

    initial monthly
    repayment**

Want more? Compare all 522 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.

**Initial monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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