FIXED RATE MORTGAGES Compare loans and calculate your repayments

Fixed Rate Mortgages

If you have decided a fixed rate mortgage is the right choice for your home loan needs then it’s only a matter of choosing a lender. Interest rates, fees and repayments will be your main comparison features so start searching and comparing Australian mortgages here at RateCity.

With a fixed rate mortgage your interest rate is locked in for an agreed period of your loan term. At the end of this fixed period you have the choice to switch to a variable rate or fix the loan for another few years.

A lot of Australian borrowers choose a fixed rate so they can take advantage of low interest rates by locking it in for a set period, usually from one to ten years. This offers them financial certainty and the ability to budget their set repayments each month, as they won’t be affected by fluctuating interest rates.

There are a few things to consider if you are still juggling your decision to fix your rate or leave it as a variable interest rate mortgage. The main considerations are interest rate rise and falls and home loan features.

If you are fortunate enough to lock in your fixed rate before an interest rate increase then you could enjoy lower fixed rates while the variable rates rise. On the flip side, if there is an interest rate fall during your fixed rate period you will not be able to benefit from this and may end up paying higher interest than those on a variable rate.

The other thing to consider is the home loan features offered for fixed and variable mortgages. Home loan features vary from lender to lender and from loan type. In general, fixed loans are less flexible than variable loans and may have more limited features, for example you can’t break a fixed loan without incurring a penalty. This isn’t the case for variable rate home loans.

Whether your decision is fixed or not, make it easier on yourself by comparing a range of some of Australia’s most attractive fixed rate mortgages below.

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We found 52 products that match your search

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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 4.79% Fixed 3 years 5.13% Comparison Rate $445 Application Fees $1,405.39 Monthly Repayment Go to Site
IMB Residential Fixed 2 yrs 10-99m 4.79% Fixed 2 years 5.15% Comparison Rate $445 Application Fees $1,405.39 Monthly Repayment Go to Site
ME Bank Standard Fixed 3 yrs 4.69% Fixed 3 years 5.21% 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
Queenslanders CU Fixed Rate 1 yr 4.90% Fixed 1 year 5.24% Comparison Rate $595 Application Fees $1,377.41 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
Greater Building Society Ultimate Home Loan Package Standard Fixed 2 yrs 4.69% Fixed 2 years 5.26% Comparison Rate $0 Application Fees $1,332.90 Monthly Repayment Go to Site
Greater Building Society Ultimate Home Loan Package Standard Fixed 1 yr 4.49% Fixed 1 year 5.27% Comparison Rate $0 Application Fees $1,332.90 Monthly Repayment Go to Site
Newcastle Permanent Residential Fixed 5 yrs 4.89% Fixed 5 years 5.28% Comparison Rate $0 Application Fees $1,427.33 Monthly Repayment Go to Site
Newcastle Permanent Residential Fixed 3 yrs 4.59% Fixed 3 years 5.29% Comparison Rate $0 Application Fees $1,427.33 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
Newcastle Permanent Residential Fixed 4 yrs 4.89% Fixed 4 years 5.32% Comparison Rate $0 Application Fees $1,427.33 Monthly Repayment Go to Site
Newcastle Permanent Residential Fixed 2 yrs 4.49% Fixed 2 years 5.35% Comparison Rate $0 Application Fees $1,427.33 Monthly Repayment Go to Site
CUA Residential Premium Fixed 2 yrs 4.99% Fixed 2 years 5.38% 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
CUA Residential Premium Fixed 1 yr 4.99% Fixed 1 year 5.42% Comparison Rate $600 Application Fees $1,403.83 Monthly Repayment Go to Site
Newcastle Permanent Residential Fixed 1 yr 4.49% Fixed 1 year 5.45% Comparison Rate $0 Application Fees $1,427.33 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 Standard Fixed 2 yrs 150k+ 4.84% Fixed 2 years 5.56% 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
Data last updated August 24th, 2014

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