3 year Fixed Mortgages

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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've found 47 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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ME Bank Standard Fixed 3 yrs 4.69% Fixed 3 years 5.22% $0 $850.01 Go to Site
ME Bank Member Package Ultimate Offset Fixed 3 yrs 50k+ 4.69% Fixed 3 years 5.41% $0 $1,245.01 Go to Site
ME Bank Member Package Standard Fixed 3 yrs 40k+ 4.69% Fixed 3 years 5.41% $0 $1,245.01 Go to Site
CUA Residential Fixed 3 yrs 4.89% Fixed 3 years 5.32% $600 $867.3 Go to Site
AMP Bank Residential Fixed 3 yrs 4.99% Fixed 3 years 5.84% $0 $876.02 Go to Site
AMP Bank Professional Package Investment Fixed 3 yrs 40k+ 4.99% Fixed 3 years 5.68% $0 $876.02 Go to Site
BOQ Investment Fixed - SMSF 3 yrs 4.99% Fixed 3 years 5.9% $495 $886.02 Details
Newcastle Permanent Premium Plus Package Residential Fixed 3 yrs 4.99% Fixed 3 years 5.71% $0 $1,226.02 Go to Site
Newcastle Permanent Premium Plus Package Residential Fixed 3 yrs 4.99% Fixed 3 years 5.74% $0 $876.02 Go to Site
Newcastle Permanent Premium Plus Package Investment Fixed 3 yrs 4.99% Fixed 3 years 5.74% $0 $1,251.02 Go to Site
Newcastle Permanent Residential Fixed 3 yrs 4.99% Fixed 3 years 5.44% $550 $876.02 Go to Site
AMP Bank Professional Package Residential Fixed 3 yrs 40k+ 4.99% Fixed 3 years 5.68% $0 $876.02 Go to Site
Newcastle Permanent Investment Fixed 3 yrs 4.99% Fixed 3 years 5.44% $550 $876.02 Go to Site
nab Private Tailored Pkg Inv Standard Fixed 3 yrs 150k+ 5.05% Fixed 3 years 5.9% $0 $1,631.27 Go to Site
HomeSide Lending HomePlus Fixed LoDoc 3 yrs <249k 5.05% Fixed 3 years 5.11% $600 $891.27 Details
nab Choice Package Standard Fixed 3 yrs 150k+ 5.05% Fixed 3 years 5.58% $0 $1,276.27 Go to Site
nab Private Tailored Pkg Standard Fixed 3 yrs 150k+ 5.05% Fixed 3 years 5.9% $0 $1,631.27 Go to Site
nab Choice Package Inv Standard Fixed 3 yrs 150k+ 5.05% Fixed 3 years 5.58% $0 $1,276.27 Go to Site
HSBC Residential Fixed 3 yrs 5.09% Fixed 3 years 5.34% $600 $884.77 Go to Site
Suncorp Bank Investment Fixed 3 yrs 5.13% Fixed 3 years 5.91% $600 $898.29 Go to Site
Suncorp Bank Residential Fixed 3 yrs 5.13% Fixed 3 years 5.91% $600 $898.29 Go to Site
St.George Bank Low Doc Fixed 3 yrs 5.14% Fixed 3 years 5.44% $750 $901.17 Details
Bank of Melbourne Low Doc Fixed 3 yrs 5.14% Fixed 3 years 5.38% $750 $901.17 Details
BankSA Low Doc Fixed 3 yrs 5.14% Fixed 3 years 5.43% $750 $901.17 Details
nab Private Tailored Pkg Tailored Fixed IO 3 yrs 150k+ 5.15% Fixed 3 years 5.93% $0 $1,640.05 Go to Site

Showing 1 - 25 of 47 results

Show: 10 25 All Results

Data last updated April 19th, 2014

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The comparison rate is based on secured credit of $150,000 and a term of 25 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.