Finder makes money from featured partners, but editorial opinions are our own.

Fixed rate home loans, so you can stop sweating rate rises

Tune out of the rate noise. Fixed rates as low as 5.48% [checked daily].

What you need to know

  • Fixed rate home loans let you lock in an interest rate for a period of time. Your repayments do not change during the fixed period.
  • When your rate is fixed you may be unable to make extra repayments and it can be costly to refinance.
  • Every month Finder picks the top fixed rate home loans offered by our partners, determined by interest rates, fees, deposit size and other factors.

Finder's top fixed rate home loan picks for June 2024

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1 - 20 of 225
Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
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Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.35%
Comp. Rate p.a.6.26%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
7.9
Interest Rate
6.35%
Comparison Rate
6.26%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,492
Go to site
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.65%
Comp. Rate p.a.6.53%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
7.5
Interest Rate
6.65%
Comparison Rate
6.53%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,571
Go to site
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositOwner-occupier
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.25%
Comp. Rate p.a.6.20%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8
Interest Rate
6.25%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,466
Go to site
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositInvestment
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.55%
Comp. Rate p.a.6.42%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
7.6
Interest Rate
6.55%
Comparison Rate
6.42%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,544
Go to site
Commonwealth Bank logo
Principal & Interest 3Y Fixed10% min. depositInvestment
Commonwealth Bank logo
Principal & Interest 3Y Fixed10% min. depositInvestment
Product NameCommonwealth Bank Wealth Package Fixed Home Loan
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.64%
Comp. Rate p.a.8.41%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
7.6
Interest Rate
6.64%
Comparison Rate
8.41%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,568
Australian Mutual Bank logo
Principal & InterestInterest only 3Y Fixed5% min. depositOwner-occupier
Australian Mutual Bank logo
Principal & InterestInterest only 3Y Fixed5% min. depositOwner-occupier
Product NameAustralian Mutual Bank Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.5.48%
Comp. Rate p.a.6.24%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
9
Interest Rate
5.48%
Comparison Rate
6.24%
Fees
Application: $250
Ongoing: $0 p.a.
Monthly Payment
$2,269
ING logo
Principal & Interest 4Y Fixed5% min. depositInvestment
ING logo
Principal & Interest 4Y Fixed5% min. depositInvestment
Product NameING Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.33%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
7.9
Interest Rate
6.34%
Comparison Rate
6.33%
Fees
Application: $499
Ongoing: $0 p.a.
Monthly Payment
$2,489
ANZ logo
Principal & Interest 3Y Fixed20% min. depositInvestment
ANZ logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.69%
Comp. Rate p.a.7.50%
Minimum Loan Amount$20,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
7.4
Interest Rate
6.69%
Comparison Rate
7.50%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$2,581
BankSA logo
Principal & Interest 4Y Fixed20% min. depositInvestment
BankSA logo
Principal & Interest 4Y Fixed20% min. depositInvestment
Product NameBankSA Fixed Rate Home Loan with Advantage Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.79%
Comp. Rate p.a.7.90%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
7.2
Interest Rate
6.79%
Comparison Rate
7.90%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,608
Bank of Melbourne logo
Principal & Interest 2Y Fixed30% min. depositInvestment
Bank of Melbourne logo
Principal & Interest 2Y Fixed30% min. depositInvestment
Product NameBank of Melbourne Fixed Rate Home Loan with Advantage Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.49%
Comp. Rate p.a.7.99%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
7.6
Interest Rate
6.49%
Comparison Rate
7.99%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,528
ME logo
Principal & Interest 3Y Fixed20% min. depositInvestment
ME logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Product NameME Flexible Home Loan Fixed with Members Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.24%
Comp. Rate p.a.6.97%
Minimum Loan Amount$40,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
7.9
Interest Rate
6.24%
Comparison Rate
6.97%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,463
St.George Bank logo
Principal & Interest 4Y Fixed20% min. depositInvestment
St.George Bank logo
Principal & Interest 4Y Fixed20% min. depositInvestment
Product NameSt.George Fixed Rate Home Loan with Advantage Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.79%
Comp. Rate p.a.7.90%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
7.2
Interest Rate
6.79%
Comparison Rate
7.90%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,608
Bank of Melbourne logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
Bank of Melbourne logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
Product NameBank of Melbourne Fixed Rate Home Loan with Advantage Package
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.59%
Comp. Rate p.a.7.64%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes - max $30,000 over fixed rate term
Finder score
7
Interest Rate
6.59%
Comparison Rate
7.64%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,555
Westpac logo
Principal & Interest 4Y Fixed20% min. depositOwner-occupier
Westpac logo
Principal & Interest 4Y Fixed20% min. depositOwner-occupier
Product NameWestpac Fixed Option Home Loan Premier Advantage Package
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.69%
Comp. Rate p.a.7.55%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
7.3
Interest Rate
6.69%
Comparison Rate
7.55%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,581
St.George Bank logo
Principal & Interest 2Y Fixed20% min. depositInvestment
St.George Bank logo
Principal & Interest 2Y Fixed20% min. depositInvestment
Product NameSt.George Fixed Rate Home Loan with Advantage Package
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.59%
Comp. Rate p.a.8.07%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes - max $30,000 over fixed rate term
Finder score
8.1
Interest Rate
6.59%
Comparison Rate
8.07%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,555
$2,000 cashback
Refinancers borrowing $250,000 or more could get a $2,000 cashback (Other terms, conditions and exclusions apply).
Westpac logo
Interest only 2Y Fixed20% min. depositInvestment
Westpac logo
Interest only 2Y Fixed20% min. depositInvestment
Product NameWestpac Fixed Option Home Loan Premier Advantage Package
Interest Rate TypeFixed rate
Repayment Type Interest Only
Interest Rate p.a.6.64%
Comp. Rate p.a.8.30%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
7.3
Interest Rate
6.64%
Comparison Rate
8.30%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,568
bcu logo
Finder AwardPrincipal & Interest 1Y Fixed5% min. depositOwner-occupier
bcu logo
Finder AwardPrincipal & Interest 1Y Fixed5% min. depositOwner-occupier
Product NameBCU Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.49%
Comp. Rate p.a.6.28%
Minimum Loan Amount$20,000
Maximum Loan Amount $2,500,000
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments No
Finder score
6.9
Interest Rate
6.49%
Comparison Rate
6.28%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,528
Tiimely logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupierOffset account
Tiimely logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupierOffset account
Product NameTiimely Own Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
Comp. Rate p.a.6.09%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
9
Interest Rate
5.94%
Comparison Rate
6.09%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,386
Heritage Bank logo
Principal & Interest 3Y Fixed5% min. depositOwner-occupier
Heritage Bank logo
Principal & Interest 3Y Fixed5% min. depositOwner-occupier
Product NameHeritage Bank Advantage Package Fixed
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.79%
Comp. Rate p.a.6.46%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.6
Interest Rate
5.79%
Comparison Rate
6.46%
Fees
Application: $0
Ongoing: $350 p.a.
Monthly Payment
$2,347
Adelaide Bank logo
Principal & Interest 3Y Fixed5% min. depositOwner-occupierOffset account
Adelaide Bank logo
Principal & Interest 3Y Fixed5% min. depositOwner-occupierOffset account
Product NameAdelaide Bank SmartFix Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.29%
Comp. Rate p.a.6.42%
Minimum Loan Amount$10,000
Maximum Loan Amount $5,000,000
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.4
Interest Rate
6.29%
Comparison Rate
6.42%
Fees
Application: $299
Ongoing: $15 per month
Monthly Payment
$2,476
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