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loans.com.au Fixed Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $50,000 $1,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $1,000,000

Fixed 3 year rate
1.99% p.a.
Comparison Rate
2.70% p.a.
Service fee
$0.00
Upfront fee
$520
Go to site
Fixed 3 year rate
2.88% p.a.
Comparison Rate
2.89% p.a.
Service fee
$0.00
Upfront fee
$520
Go to site
Fixed 3 year rate
p.a.
Comparison Rate
n/a
Service fee
$0.00
Upfront fee
$520
Fixed 3 year rate
3.28% p.a.
Comparison Rate
2.98% p.a.
Service fee
$0.00
Upfront fee
$520
Fixed 3 year rate
3.08% p.a.
Comparison Rate
3.03% p.a.
Service fee
$0.00
Upfront fee
$520
Fixed 3 year rate
3.48% p.a.
Comparison Rate
3.12% p.a.
Service fee
$0.00
Upfront fee
$520

Mozo editorial review loans.com.au Fixed Home Loan

Last updated: 9 November 2020.

binocular icon
What's hot
  • 1.99% p.a. 3-year fixed special rate (2.70% p.a. comparison rate*)
  • No annual fee
  • Reverts to low offset variable rate
What's not
  • Only available for loans up to $1 million
Mozo snapshot

If you are looking to lock in a low fixed rate, online lender loans.com.au has one of the sharpest 3-year fixed rate special's currently in market at 1.99% p.a. (2.70% p.a. comparison rate*) as long as you've got at least a 20% deposit. On top of low fixed rates, you'll also enjoy no ongoing service fees and will be able to make free extra repayments up to $10,000 a year.  


key icon
Key features

With the Fixed Home Loan you can opt for three rate terms - a 1 year, 2 year and 3 year term. The rates will depend on how much equity or deposit you have available. The current three year special rate 1.99% p.a. (2.70% p.a. comparison rate*) is only available for loans with an LVR of 80% or less. 

Unlike other fixed rate home loans where after the fixed rate term comes to an end you revert to a higher standard variable rate, with the Fixed Home Loan, you'll automatically rollover to Loans.com.au's low offset variable rate which is one of the lowest in the market. Of course, before the fixed rate term comes to an end you should do your homework and compare your home loan options before locking in or switching loans.

The loan is available for purchase or refinance but if you are looking at buying that multimillion dollar penthouse you'll need to look elsewhere. The maximum loan amount is $1 million and borrowers must have a LVR of 90% or less.

There are no ongoing or application fees with the Fixed Home Loan but there are some upfront costs you'll need to budget for including a valuation fee ($220 or at cost) and a $300 settlement fee. 

You can also time your repayments to suit your pay cycle as there are weekly, fortnightly and monthly options available.

snapshot
Who is it good for

Borrowers that want to lock in their repayments while interest rates are low and are borrowing less than a million dollars. 

snapshot
Any catches

There is a $550 early discharge fee if you pay the loan out early. This would be on top of any break costs, which depending on the loan amount and the fixed term remaining can be high. It is best to only lock in if you are not planning to sell within the fixed time period. 

Details

Rates and fees information correct as at 24 November 2020. 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

  • n/a

  • 2.29% (2.81%*)

  • 1.99% (2.70%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.87% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term. Available for new loans only.

  • 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 24 November 2020. 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

  • 2.88% (2.89%*)

  • 2.88% (2.89%*)

  • 2.88% (2.89%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • 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 24 November 2020. 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

  • n/a

  • 2.69% (2.97%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.74% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term. Available for new loans only.

  • 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 24 November 2020. 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

  • 3.28% (2.92%*)

  • 2.79% (2.88%*)

  • 3.28% (2.98%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • 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 24 November 2020. 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

  • 3.08% (3.02%*)

  • 3.08% (3.03%*)

  • 3.08% (3.03%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.09% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • 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 24 November 2020. 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

  • 3.48% (3.05%*)

  • 2.99% (3.01%*)

  • 3.48% (3.12%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.99% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • 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

How are loans.com.au home loans rated by the Mozo community?

Overall
8.1/10
Price
9.0/10
Features
8.1/10
Customer service
7.8/10
Convenience
7.3/10
Trust
7.6/10

Latest reviews of loans.com.au Fixed Home Loan

  • Overall 2/10
    They passed on 0% of the RBA cut.

    It's worth noting that, unlike all the major banks, loans.com.au didn't pass on any of the latest Reserve Bank interest rate cut. As in, they passed on 0% of the RBA cut. Which is shameful to say the least.

    Read full review

    It's worth noting that, unlike all the major banks, loans.com.au didn't pass on any of the latest Reserve Bank interest rate cut. As in, they passed on 0% of the RBA cut. Which is shameful to say the least.

    Price
    5/10
    Features
    5/10
    Customer service
    7/10
    Convenience
    5/10
    Trust
    5/10
    Less
    Campbell, Victoria reviewed 6 months ago
  • Overall 10/10
    Great customer service, great features, great rate

    I have had a great experience with this provider. Great service, great advice, quick loan approval, great rates, great features. No hidden costs. Easy to make changes to repayments and friendly people to talk to. Would recommend this service to anyone.

    Read full review

    I have had a great experience with this provider. Great service, great advice, quick loan approval, great rates, great features. No hidden costs. Easy to make changes to repayments and friendly people to talk to. Would recommend this service to anyone.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Carly, Victoria reviewed about 6 years ago
loans.com.au

About loans.com.au

100% Australian owned, loans.com.au opened its doors in 2010 with a vision of "making it easier for people to own and invest in property". loans.com.au offers a winning combination of low interest rates and fees and a commitment to excellent customer service. loans.com.au runs its own call centre and caters to home, investment and personal finance borrowers.

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Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

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Smart Booster Investor Bundle

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2.71% p.a.

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Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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AcceleRATES Variable Home Loan

2.19% p.a. variable

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2.54% p.a. variable

2.55% p.a.

Bank of Queensland

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2.09% p.a.
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3.01% p.a.

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Smart Home Loan

2.48% p.a. variable

2.50% p.a.

Newcastle Permanent

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Real Deal Home Loan

2.59% p.a. variable

2.63% p.a.

Suncorp

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Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

Athena

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AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

UBank

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UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.36% p.a.

Suncorp

Suncorp

Back to Basics

2.54% p.a. variable

2.55% p.a.

UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a. variableApply now to get this rate from 29 Nov

2.34% p.a.Apply now to get this rate from 29 Nov

HSBC

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Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Qudos Bank

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Fixed Rate Home Loan

2.19% p.a.
fixed 3 years

2.68% p.a.

Athena

Athena

AcceleRATES Variable Home Loan

2.29% p.a. variable

2.23% p.a.

loans.com.au

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Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

UBank

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UHomeLoan - Discount Offer

2.34% p.a.Apply now to get this rate from 29 Nov

2.34% p.a.Apply now to get this rate from 29 Nov

Suncorp

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Back to Basics

2.54% p.a.

2.55% p.a.

Bank of Queensland

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Economy

2.59% p.a.

2.76% p.a.

HSBC

HSBC

Home Value Loan

2.59% p.a.

2.60% p.a.

Athena

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AcceleRATES Variable Home Loan

2.29% p.a.

2.23% p.a.

Qudos Bank

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No Frills Home Loan

2.54% p.a.

2.54% p.a.

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Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

UBank

UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.36% p.a.

Bank of Queensland

Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

HSBC

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Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

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Fixed Rate Home Loan

2.19% p.a.
fixed 3 years

2.68% p.a.

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Fixed Home Loan

2.88% p.a.
fixed 3 years

2.89% p.a.

UBank

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UHomeLoan (Fixed)

2.29% p.a.
fixed 3 years

2.33% 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.