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Fixed Rate Home Loans

Variable Rate Home Loans - State Custodians - standard variable offset

Variable Rate Home Loans - State Custodians - standard variable offset Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.22% 6.30% $345 $1,534
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Yes - Free, unlimited additional repayments MORE INFO >

Fixed Rate Home Loans - ANZ - Fixed 2 year Yearly Interest In Advance

Fixed Rate Home Loans - ANZ - Fixed 2 year Yearly Interest In Advance Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.60% 7.07% $600 $1,435
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ANZ. MORE INFO >

Fixed Rate Home Loans - Citibank - 3 Year Fixed Rate

Fixed Rate Home Loans - Citibank - 3 Year Fixed Rate Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.75% 7.10% $0 $1,459
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by Citibank. MORE INFO >

Fixed Rate Home Loans - Citibank - 2 Year Fixed Rate

Fixed Rate Home Loans - Citibank - 2 Year Fixed Rate Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.80% 7.25% $0 $1,467
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by Citibank. MORE INFO >

Fixed Rate Home Loans - ANZ - Fixed 1 year Yearly Interest In Advance

Fixed Rate Home Loans - ANZ - Fixed 1 year Yearly Interest In Advance Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.84% 7.24% $600 $1,473
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ANZ. MORE INFO >

Fixed Rate Home Loans - Commonwealth Bank - MAV Interest In Advance 2 Year Fixed Rate

Fixed Rate Home Loans - Commonwealth Bank - MAV Interest In Advance 2 Year Fixed Rate Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.84% 7.38% $0 $1,473
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by Commonwealth Bank. MORE INFO >

Fixed Rate Home Loans - Resi - Smart Pro Plus Lite (<=75% LVR) 2 Year Fixed <50%

Fixed Rate Home Loans - Resi - Smart Pro Plus Lite (<=75% LVR) 2 Year Fixed <50% Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.84% 6.64% $0 $1,473
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by Resi. MORE INFO >

Fixed Rate Home Loans - Citibank - 1 Year Fixed Rate

Fixed Rate Home Loans - Citibank - 1 Year Fixed Rate Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.85% 7.40% $0 $1,475
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by Citibank. MORE INFO >

Fixed Rate Home Loans - Resi - FlexiFix Home Loan 2 Year Fixed Lite (<=75%)

Fixed Rate Home Loans - Resi - FlexiFix Home Loan 2 Year Fixed Lite (<=75%) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.85% 6.39% $0 $1,475
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments can be made into variable portion of this loan. MORE INFO >

Fixed Rate Home Loans - ING DIRECT - Fixed 1 Year Interest In Advance

Fixed Rate Home Loans - ING DIRECT - Fixed 1 Year Interest In Advance Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.89% 6.56% $0 $1,481
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ING DIRECT. MORE INFO >

Fixed Rate Home Loans - ING DIRECT - Fixed 1 Year Interest In Advance (VIC/NSW/QLD)

Fixed Rate Home Loans - ING DIRECT - Fixed 1 Year Interest In Advance (VIC/NSW/QLD) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.89% 6.56% $0 $1,481
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ING DIRECT. MORE INFO >

Fixed Rate Home Loans - ING DIRECT - Fixed 2 Year Interest In Advance

Fixed Rate Home Loans - ING DIRECT - Fixed 2 Year Interest In Advance Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.89% 6.50% $0 $1,481
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ING DIRECT. MORE INFO >

Fixed Rate Home Loans - ING DIRECT - Fixed 2 Year Interest In Advance (VIC/NSW/QLD)

Fixed Rate Home Loans - ING DIRECT - Fixed 2 Year Interest In Advance (VIC/NSW/QLD) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.89% 6.50% $0 $1,481
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ING DIRECT. MORE INFO >

Fixed Rate Home Loans - ING DIRECT - Fixed 3 Year Interest In Advance

Fixed Rate Home Loans - ING DIRECT - Fixed 3 Year Interest In Advance Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.89% 6.44% $0 $1,481
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ING DIRECT. MORE INFO >

Fixed Rate Home Loans - ING DIRECT - Fixed 3 Year Interest In Advance (VIC/NSW/QLD)

Fixed Rate Home Loans - ING DIRECT - Fixed 3 Year Interest In Advance (VIC/NSW/QLD) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.89% 6.44% $0 $1,481
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by ING DIRECT. MORE INFO >

Fixed Rate Home Loans - Heritage - 1 Year Fixed

Fixed Rate Home Loans - Heritage - 1 Year Fixed Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.90% 6.87% $0 $1,483
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Unlimited MORE INFO >

What Are the Benefits of a Fixed Rate Home Loan?

The greatest advantage of fixed rate loans lies in the certainty they impart to your budget. If you worry about rate rises or do not have the wiggle room in your household finances to deal with unexpected repayment rises, a fixed rate may be right for you. In addition to the mental health benefits of reduced stress, if interest rates rise your fixed interest rate could be cheaper than an equivalent variable rate product. The variety of fixed terms available gives you the ability to offset some of the disadvantages.

Cold be cheaper: If interest rates rise, you’ll be able to happily ignore the stern looks and scare inducing news reports. A fixed loan will remain at the same interest rate that you agreed to at the beginning of the loan term. Additionally, depending on the fixed term you choose, your interest rate might be lower than an equivalent variable rate product.

Predictable, set repayment: Your repayments are set at a certain level. This provides certainty in your budgeting activities and allows you to distribute your money with less of a ‘buffer’ zone. More importantly though, it reduces stress and worry in the household.

Choice of various fixed term: Many lenders offer fixed rate home loans between 1 and 5 years. The lower terms offset the possibility that rates will actually fall; the higher terms protect you in the longer term and offset the possibility of sustained rate rises.
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