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.

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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.

Fixed rate home loan comparisons on Mozo - rates updated daily

Want more? Compare all 503 home loans in the Mozo comparison engine.

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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.

**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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Fixed home loan rates

To fix or not to fix? That is the question posed by many home buyers across Australia. So to help you decide whether a fixed or variable interest rate is your borrowing match, we've compiled this quick guide that runs through the benefits of a fixed interest rate and the traps to watch out for. You can also use the above table to compare fixed rate home loans quickly and easily.

    Fixed rate loans, what do you need to know? 

    How does a fixed rate home loan compare on features?

    How do fixed rate home loans compare on fees?

    How do fixed rate loans compare on cost?

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Home Loan Reviews

AMP
AMP home loan review
Overall
0/10
AMP is highly disappointing

Looking forward to a better bank!

Looking forward to a better bank!

Price
-1/10
Features
0/10
Customer service
0/10
Convenience
9/10
Trust
0/10

Jo | QLD

reviewed 11 days ago

Bendigo Bank
Bendigo Bank Basic Home Loan (Fixed, Owner Occupier, Principal & Interest) home loan review
Overall
10/10
Fantastic service throught out

The service at the Bendigo Bank are a lot better in East Gippsland than other banks.

The service at the Bendigo Bank are a lot better in East Gippsland than other banks.

Price
9/10
Features
9/10
Customer service
8/10
Convenience
10/10
Trust
10/10

Leonard | VIC

reviewed 2 months ago

ANZ
ANZ Simplicity PLUS (Owner Occupier, Principal & Interest) home loan review
Overall
2/10
I feel like we have been mislead

They started out as a great choice with excellent customer service at our local branch but has...

They started out as a great choice with excellent customer service at our local branch but has since let us down tremendously. One of the comments made by a loan staff employee at our last meeting not only was extremely offensive but also out of line in so many ways.

Price
5/10
Features
3/10
Customer service
3/10
Convenience
5/10
Trust
2/10

Geraldine | QLD

reviewed 2 months ago

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