• Apply Now

    With our state of the art system we make every application easy!

    We can provide you with a pre-qualified letter to purchase your property today

    learn more
  • Free Property Report

    Save $75 or more!

    Order a free property report on any property in Australia and find out the information that you need to know to make your offer

    learn more
  • About Us

    Deal with the best!

    We are a professional mortgage broking team that can help you purchase a property or refinance a loan in any state of Australia

    learn more
  • Partners

    Our work is dedicated to the prosperity of our clients

    Find out more about using Property Finance Online to assist your clients obtain finance easily with a minimum of fuss. Deal with the professionals

    learn more
  • Refinance your home loan

    Save money every day starting right now

    You may think everything is ok or perhaps you want to change but don't know how. Enquire with Property Finance Online. We are there with you every step of the way.

    learn more

Fixed Loans

A Fixed Rate Home Loan offers you the certainty of knowing what your repayments are for the fixed period, and safeguards you against increasing interest rates.  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:

 1.   A first home buyer, a home owner or investor wanted security from changing interest rates
 2.  A home owner or property investor seeking to combine a fixed and variable loan together
 3.  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 for 60 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.

For more information contact us