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Compare Fixed Rate Home Loans

Compare fixed rate home loans and calculate mortgage repayments

Home Loans Comparison

Show: 1550100
Company
Product
Advertised Rate
Comparison Rate
Monthly Repayment
Estimated Up Front Fees
Minimum Deposit %
Offset Account
Redraw Facility
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UBank
Advertised Rate3.69%Fixed - 1 year
Comparison Rate4.15%
Monthly Repayment$1215over 30 years
Estimated Up Front Fees$0
20%
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UBank
Advertised Rate4.27%Fixed - 5 years
Comparison Rate4.18%
Monthly Repayment$1220over 30 years
Estimated Up Front Fees$0
20%
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Australian Unity Home Loans
Advertised Rate4.10%Fixed - 3 years
Comparison Rate4.24%
Monthly Repayment$1228over 30 years
Estimated Up Front Fees$600
10%
Partial offset account
Redraw fee: $0
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Australian Unity Home Loans
Advertised Rate4.25%Fixed - 1 year
Comparison Rate4.28%
Monthly Repayment$1234over 30 years
Estimated Up Front Fees$600
10%
Partial offset account
Redraw fee: $0
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Greater Bank
Advertised Rate4.19%Fixed - 5 years
Comparison Rate4.31%
Monthly Repayment$1239over 30 years
Estimated Up Front Fees$0
15%
Partial offset account
Redraw fee: $0
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Greater Bank
Advertised Rate3.99%Fixed - 2 years
Comparison Rate4.32%
Monthly Repayment$1240over 30 years
Estimated Up Front Fees$0
15%
Partial offset account
Redraw fee: $0
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bcu
Advertised Rate3.80%Fixed - 4 years
Comparison Rate4.38%
Monthly Repayment$1249over 30 years
Estimated Up Front Fees$600
10%
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UBank
Advertised Rate3.69%Fixed - 1 year
Comparison Rate4.41%
Monthly Repayment$1253over 30 years
Estimated Up Front Fees$0
20%
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Australian Unity Home Loans
Advertised Rate4.65%Fixed - 5 years
Comparison Rate4.44%
Monthly Repayment$1258over 30 years
Estimated Up Front Fees$600
10%
Partial offset account
Redraw fee: $0
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Bank Australia
Advertised Rate3.85%Fixed - 2 years
Comparison Rate4.47%
Monthly Repayment$1262over 30 years
Estimated Up Front Fees$0
20%
100% offset account
Redraw fee: $0
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Greater Bank
Advertised Rate3.69%Fixed - 1 year
Comparison Rate4.51%
Monthly Repayment$1268over 30 years
Estimated Up Front Fees$0
15%
Partial offset account
Redraw fee: $0
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CUA
Advertised Rate3.99%Fixed - 3 years
Comparison Rate4.64%
Monthly Repayment$1288over 30 years
Estimated Up Front Fees$795
5%
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Greater Bank
Advertised Rate4.19%Fixed - 5 years
Comparison Rate4.65%
Monthly Repayment$1289over 30 years
Estimated Up Front Fees$0
5%
100% offset account
Redraw fee: $0
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Hunter United
Advertised Rate3.98%Fixed - 2 years
Comparison Rate4.68%
Monthly Repayment$1294over 30 years
Estimated Up Front Fees$350
5%
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ME Bank
Advertised Rate3.79%Fixed - 3 years
Comparison Rate4.72%
Monthly Repayment$1300over 30 years
Estimated Up Front Fees$400
20%
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Popular Searches

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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