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FIXED RATE LOANS


A Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments for the fixed term of your loan.

At the end of the fixed rate the loan converts to a variable rate.

You have the option to re-fix your loan at the end of the fixed rate period. Some lenders charge a fee to do this and others refix at no cost.

Fixed Rate Loans are ideal if you are:

A first home buyer, a home owner or investor wanted security from changing interest rates

A home owner or property investor seeking to combine a fixed and variable loan together

Looking for a better deal or consolidating expensive debt

Fixed Rate Terms
Fixed Rate terms are available in
1, 2, 3, 4, 5, 7, 10 & 15 years.

The majority of lenders offer 1-5 year fixed rate terms.

Rate Lock

The majority of lenders do not fix the interest rate until settlement. Fixed Rates can change between the time of application and the settlement of the loan. However, most lender offer a rate lock for their fixed rates. This is additional fee to "lock-in" the rate at the time of application. Most lenders will lock the interest rate form 60 days to 90 days but it is important to find out the conditions of the rate lock and make sure.

In times when variable interest rates are increasing the fixed rates increase too. It can be a wise move to lock the interest rate at the time of application.

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Adelaide Bank

Adelaide Bank

Heritage Bank

Heritage Bank

P&N Bank

P&N Bank

AMP Bank

AMP Bank

Australian First Mortgage

Australian First Mortgage

Commonwealth Bank

Commonwealth Bank

Citibank

Citibank

Bankwest

Bankwest

ANZ Bank

ANZ Bank

Homeloans Ltd

Homeloans Ltd

St George Bank

St George Bank

Suncorp

Suncorp

Peppermoney

Peppermoney

The Rock Building Society

Mystate

ME Bank

ME Bank

Keystart Home Loans

Keystart Home Loans

Macquarie Bank

Macquarie Bank

La Trobe

La Trobe

ING Direct

ING Direct

Liberty Financial

Liberty Financial

Westpac

Westpac

Bluestone

Bluestone

Australian First Mortgage

Australian First Mortgage

Bank of Melbourne

Bank of Melbourne

BankSA

BankSA

NAB

NAB

Plan Lending

Plan Lending

Fristmac

Fristmac