HOME LOANS

Three year fixed home loans are an attractive mortgage option for borrowers who want to lock in a low interest rate or fix the budget of their loan repayments. You can start searching and comparing an extensive range of three year mortgages at RateCity now.

For those who are concerned with rising interest rates, selecting a fixed rate home loan instead of a variable rate can help give them certainty within their budget and allows them time to get used to making regular repayments without varying rates.

A three year fixed home loan guarantees an agreed fixed interest rate for the set period before your rate expires and reverts back to a variable interest rate. During this period you will be unaffected by the rise and fall of interest rates. In the case of interest rate rises this can be very financially rewarding but in the case of interest rate cuts, the benefits of a lower rate would not be passed on to you.

Once the fixed home loan period has expired you will generally be offered the opportunity to lock in another fixed rate period or continue the loan on a variable rate.

There are options to fix your rate for a lesser period of one or two years, so it’s a matter of looking at your own financial situation when deciding what time period you would like to fix.

If you were to consider a fixed period over three years the interest rates tend to be a lot higher so you should look at the overall benefits if you are thinking long term.

Ideally you should conduct your own research and speak to a finance specialist to work out which options are going to be more beneficial and suitable for your personal circumstances.

Don’t let unfamiliarity stand in the way of you and a great three year home loan. Get educated now by comparing some of Australia’s best three year home loans below.

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We found 26 products that match your search

Show: 10 25 All Results

Company Product Advertised Rate Comparison Rate Application Fees Monthly Repayment Go To Site
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UBank UHomeLoan Fixed 5 yrs 4.93% Fixed 5 years 4.86% Comparison Rate $395 Application Fees $1,322.26 Monthly Repayment Go to Site
IMB Residential Fixed 3 yrs 10-99m 4.69% Fixed 3 years 5.10% Comparison Rate $445 Application Fees $1,405.39 Monthly Repayment Go to Site
ME Bank Standard Fixed 3 yrs 4.59% Fixed 3 years 5.18% Comparison Rate $0 Application Fees $1,400.71 Monthly Repayment Go to Site
IMB Residential Fixed 4 yrs 10-99m 5.14% Fixed 4 years 5.22% Comparison Rate $445 Application Fees $1,405.39 Monthly Repayment Go to Site
IMB Residential Fixed 5 yrs 10-99m 5.14% Fixed 5 years 5.23% Comparison Rate $445 Application Fees $1,405.39 Monthly Repayment Go to Site
Greater Building Society Ultimate Home Loan Package Standard Fixed 3 yrs 4.69% Fixed 3 years 5.24% Comparison Rate $0 Application Fees $1,332.90 Monthly Repayment Go to Site
CUA Residential Fixed 3 yrs 4.69% Fixed 3 years 5.26% Comparison Rate $600 Application Fees $1,403.83 Monthly Repayment Go to Site
CUA Residential Premium Fixed 3 yrs 4.84% Fixed 3 years 5.30% Comparison Rate $600 Application Fees $1,403.83 Monthly Repayment Go to Site
CUA Residential Premium Fixed 5 yrs 5.30% Fixed 5 years 5.42% Comparison Rate $600 Application Fees $1,403.83 Monthly Repayment Go to Site
NAB Choice Package Standard Fixed 5 yrs 150k+ 4.99% Fixed 5 years 5.52% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
NAB Choice Package Standard Fixed 4 yrs 150k+ 4.99% Fixed 4 years 5.54% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
NAB Choice Package Standard Fixed 3 yrs 150k+ 4.94% Fixed 3 years 5.55% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
NAB Choice Package Tailored Fixed IO 5 yrs 150k+ 5.09% Fixed 5 years 5.57% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
NAB Choice Package Tailored Fixed IO 4 yrs 150k+ 5.09% Fixed 4 years 5.58% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
NAB Choice Package Tailored Fixed IO 3 yrs 150k+ 5.04% Fixed 3 years 5.58% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
IMB Platinum Package Residential Fixed 3 yrs 200k+ 4.69% Fixed 3 years 5.59% Comparison Rate $0 Application Fees $1,405.39 Monthly Repayment Go to Site
IMB Platinum Package Residential Fixed 5 yrs 200k+ 5.14% Fixed 5 years 5.68% Comparison Rate $0 Application Fees $1,405.39 Monthly Repayment Go to Site
IMB Platinum Package Residential Fixed 4 yrs 200k+ 5.14% Fixed 4 years 5.69% Comparison Rate $0 Application Fees $1,405.39 Monthly Repayment Go to Site
Suncorp Bank Residential Fixed 5 yrs 5.14% Fixed 5 years 5.78% Comparison Rate $600 Application Fees $1,497.27 Monthly Repayment Go to Site
BOQ Residential Fixed 3 yrs 4.79% Fixed 3 years 5.83% Comparison Rate $300 Application Fees $1,500.48 Monthly Repayment Go to Site
NAB Private Tailored Pkg Standard Fixed 5 yrs 150k+ 4.99% Fixed 5 years 5.84% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
NAB Private Tailored Pkg Standard Fixed 4 yrs 150k+ 4.99% Fixed 4 years 5.86% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
NAB Private Tailored Pkg Standard Fixed 3 yrs 150k+ 4.94% Fixed 3 years 5.87% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
Suncorp Bank Residential Fixed 3 yrs 5.13% Fixed 3 years 5.91% Comparison Rate $600 Application Fees $1,497.27 Monthly Repayment Go to Site
NAB Choice Package Standard Fixed 10 yrs 150k+ 7.64% Fixed 10 years 7.36% Comparison Rate $0 Application Fees $1,385.16 Monthly Repayment Go to Site
Data last updated September 1st, 2014

Showing 1 - 25 of 26 results

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