What Is The Lowest Fixed Rate Home Loan On Offer?
Starting from
%*
p.a.
Comparison rate
%*
p.a.
(*Interest rates displayed are subject to change and may vary based on your individual circumstances, including your credit profile, loan amount, and other factors. Please contact us to confirm the latest rates and find the most suitable option for your needs.)
Discuss Rate With An Expert
What Is A Fixed-Rate Home Loan?
A fixed-rate home loan locks in your interest rate for a set period, usually 1 to 5 years. During this time:
- Your repayments remain consistent, regardless of changes in the market or variable rates.
- After the fixed period, your loan reverts to a variable rate, or you can renegotiate a new fixed term.
This type of loan is ideal for those who value stability and want to avoid unexpected rate increases.
Ready to lock in a low fixed rate?
Get StartedNow
Is a Fixed-Rate Home Loan Right for You?
A fixed-rate home loan could be perfect if you:
- Want consistent repayments for peace of mind.
- Prefer protection against rising interest rates.
- Plan to keep the loan for the fixed term without making extra repayments.
It may not be the best option if you:
- Intend to refinance or pay off your loan early (as break costs may apply).
- Need flexibility to make additional repayments without penalties.
Why Choose a Fixed-Rate Home Loan?
- Predictable Repayments: Know exactly what you’ll pay each month.
- Protection Against Rate Hikes: Stay unaffected by rising interest rates.
- Simple Budgeting: Perfect for families, investors, and first-home buyers
Unsure if a fixed rate is right for you?
Talk to Our Experts
How Home Loan Experts Help You Lock In A Low Fixed-Rate
At Home Loan Experts, we use our expertise and lender connections to secure the right fixed-rate deal for you:
- Access to 50+ Lenders: Choose from competitive fixed-rate options, including exclusive deals not advertised to the public.
- Expert Negotiations: We will contact the lender each year so your rate remains competitive, saving you thousands of dollars in interest.
- Maximised Savings: By timing your application and accessing lender discounts, we help you save more.
- Hassle-Free Process: We handle the paperwork and negotiations while you focus on your goals.
Don’t believe us, hear from our customers
Offer best product at the best rate
We have been with Home Loan Experts for around 13 years and they always go out of their way to assist in offering the best product at the best rate. We have several investment loans coming off fixed rate currently and Sandhya is pre-emptive in obtaining the best rate before the rate change arrives.
Home Loan Experts are very responsive to any queries we have and they quickly respond and offer options.
Best Home Loan Broker
Home Loan Experts give an exceptional customer experience. Very responsive and helpful. I’m now a third time repeat customer after coming off a low fixed rate for our owner occupier loan. We didn’t even need to change our bank. After the bank said no to me Home Loan Experts got me more than half a percentage point better on what the bank said was the best they would offer me. This will save tens of thousands of dollars over the life of the loan. No hidden costs. Just good old fashioned service and excellent results. I highly recommend Home Loan Experts.
Competitive interest rates
Samyak Nakarmi and Anil Joshi’s team delivered exceptional results with our maturing fixed loans. Key points:
Timely: Secured new rates before old loans expired
Competitive: Obtained some of the best interest rates in the market
Efficient: Smooth process from start to finish
Satisfactory: Very pleased with the outcome
Overall, their service provided significant financial benefits through lower interest rates. Highly recommended for anyone looking to refinance fixed loans.
4.9 out of 2,000+ reviews
4.8 out of 430+ reviews
4.8 out of 940+ reviews
Award-Winning Expertise At Your Service
Why Wait? Secure Your Fixed Rate Today!
The lowest fixed-rate deals don’t last forever. Get started today.
-
Speak to one of our expert brokers
It takes less than 2 minutes to fill in assessment form or call us on 1300 889 743
-
Understand your situation.
One of our mortgage specialists will contact you to assess your situation better.
-
Getting your dream home loan.
Leveraging our expertise and network of lenders, we’ll find you the right solution based on your needs.