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Homeloans360 Fixed

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 80% $100,000 $5,000,000
Investor Principal & Interest < 80% $100,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $100,000 $5,000,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $100,000 $5,000,000
Fixed 3 year rate
6.39% p.a.
Comparison Rate
6.04% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
6.54% p.a.
Comparison Rate
6.26% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review Homeloans360 Fixed - last updated: 11 April 2024

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What's hot
  • 5.99% 1-year fixed rate (5.90% comparison rate*)
  • Free offset account
  • Competitive revert rate of 5.59%
What's not
  • Free extra repayments capped at $20k per year
Mozo snapshot

There’s a lot to love about the Homeloan360 Fixed home loan, from its low rates and minimal fees to its whole suite of flexible features which include a 100% offset account and a redraw facility.

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Key features

With the Homeloans360 Fixed loan, owner occupiers can snag fixed rates ranging from 5.99% (5.90% comparison rate*) for 1 year terms up to 6.39% (6.03% comparison rate*) for 3 year terms. The good news is unlike many other fixed rate offers, Homeloans360 won’t sting you with a high revert rate after your fixed term ends, as its revert rate for owner occupiers sits at a competitive 5.89%.

In addition, you won’t have to worry about paying any of the usual pesky fees (like application, legal, valuation, settlement or ongoing service fees), although there is a $300 discharge fee to account for when you exit the loan. 

Homeloan360 Fixed doesn’t hold back on the flexibility front either. Borrowers can choose to match their repayments to their pay cycle, whether that’s weekly, fortnightly or monthly, and they also have access to an offset account which they can take advantage of to pay less interest in the long run. Plus they can make free additional repayments up to $20,000 per year, and redraw at no extra cost ($1 minimum applies) should they need those extra funds for another big expense.

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Who is it good for

The Homeloan360 Fixed loan is a good choice for borrowers who want the certainty of fixed repayments without having to compromise on any of the bells and whistles. 

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Any catches

Remember that there’s a $300 discharge fee once you finish paying off the loan, and break costs may also apply if you repay your loan before your fixed term ends.

Details

Rates and fees information correct as at 25 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

5.99% (5.90%*)

6.24% (5.96%*)

6.39% (6.04%*)

n/a

n/a

n/a

n/a

5.89% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$100,000

$5,000,000

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $20,000 p.a.

none

yes - free

$1.00

yes

yes

$385+gst valuation fee will be charged if the client wishes to not proceed after the valuation.

none

none

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.

Details

Rates and fees information correct as at 25 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.19% (6.15%*)

6.44% (6.20%*)

6.54% (6.26%*)

n/a

n/a

n/a

n/a

6.14% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$100,000

$5,000,000

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $20,000 p.a.

none

yes - free

$1.00

yes

yes

$385+gst valuation fee will be charged if the client wishes to not proceed after the valuation.

none

none

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.

Customer Reviews

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About Homeloans360

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6.59% p.a.
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Macquarie

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6.14% p.a. variable

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6.19% p.a. variable

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6.09% p.a. variable

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5.69% p.a.
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BCU Bank

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5.99% p.a.

5.90% p.a.

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Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

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Greater Bank

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6.04% p.a.

6.06% p.a.

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Bendigo Bank

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6.01% p.a.

6.14% p.a.

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BCU Bank

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5.99% p.a.

6.02% p.a.

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Aussie

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6.09% p.a.

6.20% p.a.

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Mortgage Simplifier

6.14% p.a.

6.17% p.a.

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Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

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Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

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Fixed Home Loan Rate

5.69% p.a.
fixed 3 years

6.34% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

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ING

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6.09% p.a.
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6.15% p.a.

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ANZ

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6.59% p.a.
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7.06% p.a.

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5.99% p.a.
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6.37% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
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6.38% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
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6.37% p.a.

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.

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