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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

  • promoted

    Health, Wealth and Happiness Fixed Rate Package

    Owner Occupier, Principal & Interest

    • 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*

    4.03% p.a.

    Upfront
    fees

    $600

    initial monthly
    repayment**

  • promoted

    UHomeLoan Fixed

    Owner Occupier, Principal & Interest

    • Experts Choice Winner - Home Loans 2017
    • 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

    initial monthly
    repayment**

  • promoted

    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

    3.78% p.a.
    fixed 3 years

    comparison
    rate*

    4.36% p.a.

    Upfront
    fees

    $250

    initial monthly
    repayment**

  • promoted

    Discount Ultimate Home Loan Fixed, Package

    LVR<85%, over $150k, Owner Occupier

    • 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*

    4.48% p.a.

    Upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Special Discounted Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    • Free extra repayments up to $25k p.a.
    • Borrow up to 95% of the property value
    • No ongoing fees

    interest
    rate

    3.84% p.a.
    fixed 2 years

    comparison
    rate*

    4.86% p.a.

    Upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Flexible Home Loan

    Fixed, Owner Occupier

    • 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

    3.74% p.a.
    fixed 2 years

    comparison
    rate*

    4.82% p.a.

    Upfront
    fees

    $400

    initial monthly
    repayment**

  • QLD Only
    promoted

    Fixed Rate

    Owner Occupier

    • Free online redraw
    • No monthly fees
    • No penalty for extra repayments

    interest
    rate

    3.89% p.a.
    fixed 3 years

    comparison
    rate*

    4.34% p.a.

    Upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Basic Home Loan

    Fixed, Owner Occupier

    • No monthly fees
    • Free redraw
    • Repayment pause available

    interest
    rate

    3.89% p.a.
    fixed 1 year

    comparison
    rate*

    4.40% p.a.

    Upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Fixed Rate Home Loan Special

    Owner Occupier

    • Get moving with our new 3-year fixed rate special package
    • You can lock in our winning rate for 60 days with no fee
    • Plus, for the fixed period of your loan, there is no annual fee on our Classic Credit Card. Apply online now

    interest
    rate

    3.90% p.a.
    fixed 3 years

    comparison
    rate*

    4.36% p.a.

    Upfront
    fees

    $600

    initial monthly
    repayment**

  • promoted

    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

    3.99% p.a.
    fixed 3 years

    comparison
    rate*

    4.78% p.a.

    Upfront
    fees

    $400

    initial monthly
    repayment**

Want more? Compare all 510 home loans in the Mozo comparison engine.

Compare all home loans

Look for a specific type of home loan:

* 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.

**Monthly repayment figures are estimates only, based on the loan amount and term entered, excluding fees. Actual repayments will depend on your individual circumstances and interest rate changes.

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