Best 3-year fixed home loans

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Best 3-year fixed home loans

RateCity's top-rated principal and interest home loans with a fixed interest rate for three years. Assumes a $400,000 mortgage for an owner occupier.

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How are Real Time Ratings™ calculated?

Ranking 1 75 position up today	Product Advantage - Fixed (Special)	Advertised Rate 2.79% Fixed - 3 years	Comparison Rate* 3.44%	Company Compare	Repayment $1,231 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.07 / 5
Ranking 2 17 position up today	Product Premium Home Loan Package special Apply for a 3 month break or a 6 month reduction (up to half) in repayments for environmental upgrades to your home	Advertised Rate 2.29% Fixed - 3 years	Comparison Rate* 3.55%	Company Compare	Repayment $1,153 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.31 / 5
Ranking 3 75 position up today	Product Liberty Star	Advertised Rate 3.84% Fixed - 3 years	Comparison Rate* 4.14%	Company Compare	Repayment $1,405 monthly	Features Redraw facility Offset Account Borrow up to 85% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.05 / 5
Ranking 4 76 position up today	Product Fixed Rate Home Loan	Advertised Rate 3.17% Fixed - 3 years	Comparison Rate* 4.24%	Company Compare	Repayment $1,292 monthly	Features Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.03 / 5
Ranking 5 48 position up today	Product Accelerator package home loan	Advertised Rate 2.29% Fixed - 3 years	Comparison Rate* 3.79%	Company Compare	Repayment $1,153 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.33 / 5
Ranking 6 64 position up today	Product Home Loan Plus	Advertised Rate 2.79% Fixed - 3 years	Comparison Rate* 4.42%	Company Compare	Repayment $1,231 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.01 / 5
Ranking 7 74 position up today	Product Fixed Rate Home Loan	Advertised Rate 3.40% Fixed - 3 years	Comparison Rate* 4.14%	Company Compare	Repayment $1,330 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.97 / 5
Ranking 8 1 position up today	Product Fixed Rate Home Loan	Advertised Rate 3.24% Fixed - 3 years	Comparison Rate* 3.52%	Company Compare	Repayment $1,304 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.10 / 5
Ranking 9 1 position down today	Product Complete Home Loan Fixed	Advertised Rate 2.19% Fixed - 3 years	Comparison Rate* 2.89%	Company Compare	Repayment $1,138 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.01 / 5
Ranking 10 1 position up today	Product Fixed Rate Home Loan	Advertised Rate 2.14% Fixed - 3 years	Comparison Rate* 4.03%	Company Compare	Repayment $1,130 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.59 / 5
Ranking 11 1 position down today	Product Fixed Rate	Advertised Rate 2.19% Fixed - 3 years	Comparison Rate* 2.88%	Company Compare	Repayment $1,138 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.55 / 5
Ranking 12 6 position up today	Product Mortgage Plus	Advertised Rate 2.34% Fixed - 3 years	Comparison Rate* 3.18%	Company Compare	Repayment $1,161 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.55 / 5
Ranking 13 51 position up today	Product Fixed Rate Home Loan	Advertised Rate 2.05% Fixed - 3 years	Comparison Rate* 3.81%	Company Compare	Repayment $1,116 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.88 / 5
Ranking 14 59 position up today	Product Total Home Loan Package	Advertised Rate 2.59% Fixed - 3 years	Comparison Rate* 3.86%	Company Compare	Repayment $1,199 monthly	Features Redraw facility Offset Account Borrow up to 89.9999% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.53 / 5
Ranking 15 13 position up today	Product Fixed Options Home Loan	Advertised Rate 2.29% Fixed - 3 years	Comparison Rate* 4.12%	Company Compare	Repayment $1,153 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.30 / 5
Ranking 16 5 position down today	Product Fixed Loan	Advertised Rate 2.04% Fixed - 3 years	Comparison Rate* 2.80%	Company Compare	Repayment $1,115 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.14 / 5
Ranking 17 3 position up today	Product Fixed Home Loan	Advertised Rate 2.79% Fixed - 3 years	Comparison Rate* 3.62%	Company Compare	Repayment $1,231 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.41 / 5
Ranking 18 1 position down today	Product Bare Essentials (Principal and Interest)	Advertised Rate 2.40% Fixed - 3 years	Comparison Rate* 2.60%	Company Compare	Repayment $1,170 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.74 / 5
Ranking 19 11 position down today	Product Advantage Package Cashback Up to $4,000 Refinance Cashback ~ Ends in 25 days	Advertised Rate 2.09% Fixed - 3 years	Comparison Rate* 3.37%	Company Compare	Repayment $1,122 monthly	Features Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.08 / 5
Ranking 20 2 position down today	Product Yard Home Loan	Advertised Rate 2.85% Fixed - 3 years	Comparison Rate* 2.72%	Company Compare	Repayment $1,241 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.13 / 5