Compare Fixed-Rate Home Loans
The table below shows fixed-rate home loans (2-year term) from our online partners, sorted by interest rate (lowest first).
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The initial results in the table above are sorted by Interest rate (Low-High) , then Star Rating (High-Low) , then Comparison rate^ (Low-High) . Additional filters may have been applied, see top of table for details.
What is a fixed-rate home loan?
A fixed-rate home loan is a home loan where the interest rate is locked in (or fixed) for a set period of time. During this time, your interest rate and your repayments won’t change.
This is different to a variable-rate home loan, where the interest rate can change at any time. Lenders typically move their rates up or down in line with the official cash rate set by the Reserve Bank of Australia (RBA) and other factors.
Another option is a split home loan, where a portion of your loan is fixed and the remainder is variable.
How to compare fixed-rate home loans
A loan’s interest rate is an important consideration and it can make a big difference to the total cost of a loan. But there are also other factors to consider. This includes any fees attached to the loan and the features available.
Canstar’s Home Loan Star Ratings and Awards could also help with your decision. Canstar’s expert researchers assessed thousands of home loans, including fixed rate home loans, to see which ones offered the best value. Canstar also has a separate Fixed Rate Home Loan Award.
A low rate isn’t the only factor to consider when judging a loan. Other factors could play a part, such as if it comes with any features, like an offset account or redraw facility, extra fees or similar considerations. Consider if you need to seek professional financial advice.
Frequently Asked Questions about Fixed Rate Home Loans
Latest in home loans
Canstar Star Ratings and Awards
Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
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About the authors
Nina Rinella, Editor-in-Chief
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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Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.