Fixed Loan


The Fixed Loan offered by offers customers low fixed interest rates and the ability to split a loan so that part of your mortgage is fixed and the other part is on a variable rate.

The Fixed Loan offers customers rates that won’t change for up to three years with the option to make interest-only repayments for up to five years.

You can apply for’s special ‘rate lock guarantee’ which ensure that the fixed rate doesn’t change between the time you initially apply for the loan and the time at which you actually finalise your mortgage.’s fixed rate products also let you choose how frequently you want to make repayments, from weekly, fortnightly, and monthly repayments options. These fixed loans also let you make additional repayments of up to $10,000 per year, which can also be restrictive should you want to make greater payments than this amount.

 The fixed rate home loan is also transferrable between properties, which means you don’t have to go through the full application process again if you want to transfer your loan. Customers are able to borrow up to 90 per cent of their property value, although if you have less than a 20 per cent deposit, you will have to pay lenders mortgage insurance.

Customers are also able to split their loan with a variable rate in order to take advantage of an offset account which is offered as part of the split loan option.

The Fixed Loan offers up to five free splits in fixed or variable rates, and once the fixed period is completed the fixed rate loan rolls over to their offset variable rate.

Customers of the Fixed Loan are able to package their owner-occupier loan with their investment loan in order to lock in great rates for both.

Who is the Fixed Loan good for?

The Fixed Loan is good for investors, owner-occupiers, first-time home buyers and refinancers since it offers the flexibility of splitting fixed and variable loan rates and packaging owner-occupier and investment loans together.

It’s also good for customers looking to minimise their risk by having a fixed interest rate for up to three years while also taking advantage of making interest-only payments for a period of five years.

The fixed rate home loan is also transferrable so customers with multiple properties can enjoy the ease of transferring their loan without a filling out full applications.

Review - What RateCity says

Fixed-rate home loans give customers peace-of-mind in that your interest rate will remain the same for a specified period of time. The Fixed Loan provides you with a fixed rate for up to three years with the key advantage of being able to make interest-only payments for a period of five years in either weekly, fortnightly, or monthly repayments.

Another advantage of this fixed loan is that you have the option of splitting your loan into a variable rate, should you wish to take advantage of the benefits provided by variable rates.

While this loan offers low upfront fees, a disadvantage of this loan is that you would only be able to make $10,000 of additional repayments per year. This is a restriction to keep in mind if you’re considering this loan as you may not be able to repay the loan at the rate you wish. Fixed Loan Options

With options for owner-occupiers and investors, offers several fixed home loans with flexible benefits to meet almost everyone’s needs. Read more about these options at the links below.

  • Low fixed interest rate for first 3 years.
  • Option to split loan with both fixed and variable rates.
  • Waived monthly, annual and application fees.
  • Limited yearly additional repayment amount of $10,000.
  • Fixed rate rolls over to variable rate following fixed term.
  • No offset or redraw facility.

Must have a deposit of 10 per cent or more of the total amount borrowed.

Must be able to show proof of income.

Must be over 18 years of age.

Must meet serviceability criteria.

About is an Australian online lender offering customers low interest and flexibility in choosing products that best suit. is committed to using the latest and best technology to serve customers while also offering personal lending management services.

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