Compare 4 year fixed home loan rates
The table below shows four-year fixed rate home loans from our online partners.
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When purchasing a property, the hunt for the ideal house or apartment is only part of the process — you will also need to consider how to structure your home loan repayments. A four-year fixed rate home loan is one potential option. So what exactly does this mean, how does it work, and what are the pros and cons?
What is a four-year fixed rate home loan?
As the name suggests, a four-year fixed rate mortgage is one in which the interest you’ll pay each month is locked in place or ‘fixed’ for a period of four years. This means that your required repayments will remain consistent for that whole length of time, irrespective of whether your lender raises or lowers interest rates. After that term ends, the interest rate typically reverts to a variable rate (called a ‘revert rate’), or you may be able to negotiate another fixed term, depending on the terms and conditions of the lender.
Generally speaking, most major home loan lenders in Australia offer fixed terms of one, two, three, four or five years, as well as variable home loans, so a four-year fixed rate is one of the longest available on the market. Lenders also offer variable rate loans, for which the interest rate can go up or down, usually as the lender responds to changes to the official cash rate.
Some lenders offer ‘split rate’ loans, combining fixed and variable components, and potentially allowing borrowers to take advantage of the more appealing aspects of both kinds of loans.
If you’re curious about four-year fixed home loan rates, below are some answers to the most frequently asked questions. Otherwise, you can also use the comparison table at the top of the page to compare current home loans on the market from our Online Partners.
Frequently Asked Questions about 4 year fixed rate Home Loans
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About our home loan experts
Alasdair Duncan, Senior Finance Journalist
Joshua Sale, Group Manager, Research & Ratings
As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Home Loans Star Ratings and Awards and the Home Loan Refinance Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right home loan for them.
Josh is passionate about helping consumers get hands-on with their home loans, always reminding home buyers that finding the right loan can be as important for your finances as negotiating a fair property purchase price. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine, discussing topics including home loan equity and wider finance trends.
When it comes to Josh’s own property journey, the home loans expert once bought two houses in the same transaction when he ensured the cubby house his daughter loved was listed on the purchase contract for his new home.
You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.