Important disclosure
Fixed Rate Home Loans
Interest Rate
5.69%
p.a
Comparison Rate*
6.16%
p.a
5.69%
p.a
6.16%
p.a
$0
based on $500,000 loan amount for 25 years at 5.69%
Australian Credit Licence 395219Fees & charges apply
Fixed Rate Home Loans
Find your ideal home loan from one of the 5 home loans from loans.com.au
Principal and Interest (P&I)
| Loan type | Loan to value ratio | Interest rate | Comparison rate | |
|---|---|---|---|---|
Fixed - 3 years | Up to 90% | 5.69% p.a. | 6.16% p.a. | Product Info |
Fixed - 5 years | Up to 90% | 6.04% p.a. | 6.20% p.a. | Product Info |
Fixed - 2 years | Up to 90% | 6.34% p.a. | 6.28% p.a. | Product Info |
Fixed - 1 year | Up to 90% | 6.54% p.a. | 6.29% p.a. | Product Info |
Fixed - 4 years | Up to 90% | 6.44% p.a. | 6.32% p.a. | Product Info |
Interest only
| Loan type | Loan to value ratio | Interest rate | Comparison rate |
|---|
loans.com.au Fixed - 3 years Rate Home loan overview
For Fixed Home Loan (Principal and Interest) 3 Years (LVR < 90%)
Details
Maximum LVR 90% | Total Repayments |
Interest rate type Fixed - 3 years | Borrowing range
$50k
-
$1m
|
Suitable for Owner Occupiers | Loan term range 15 - 30 years |
Repayment type Principal and Interest | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Target Market Determination Visit loans.com.au Pty Ltd to view Target Market Determination. |
Features
Extra repayments Yes - limited to $10000 | Redraw facility |
Offset account | Split interest facility |
Loan portability | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Other benefits Up to 5 free splits |
Fees
Total estimated upfront fees $530 | Application fee $0 |
Legal fee $0 | Valuation fee $230 |
Settlement fee $300 | Other upfront fee $0 |
Ongoing fee $0 | Discharge fee $300 |
Other Restrictions
$350 Rate lock fee is mandatory for 5yr fixed rate products
Pros and cons
For Fixed Home Loan (Principal and Interest) 3 Years (LVR < 90%)
Benefits
- Interest rates ranked in the best 20%
- No ongoing fees
- Split account option
Drawbacks
- Limited extra repayments
- No redraw and no offset
- Loan reverts to higher rate after fixed period
- Higher than average upfront fee
- Discharge fee at end of loan
- No repayment holidays
How to apply
If you'd like to apply for this product or just get more information, follow the application process on loans.com.au.
FAQs
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