Fixed rate home loans comparison

Fix your home loan rate and start budgeting with confidence.

UBank UHomeLoan Fixed Rate

UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)

3.59 % p.a.

fixed rate

4.14 % p.a.

comparison rate

UBank UHomeLoan Fixed Rate

Apply for a one year fixed rate offer with no ongoing bank fees.

  • Interest rate of 3.59% p.a.
  • Comparison rate of 4.14% p.a.
  • Application fee of $395
  • Maximum LVR: 80%
  • Minimum borrowing: $100,000
  • Max borrowing: $1,000,000
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Promoted

Compare the latest fixed rate home loans below

Rates last updated April 23rd, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.59%
3.89%
$0
$0 p.a.
80%
Get a very low fixed rate with minimal fees and lock in your repayments for three years.
3.74%
4.01%
$395
$0 p.a.
80%
An online home loan offer with a fixed interest offer for 3 years.
3.59%
4.54%
$300
$10 monthly ($120 p.a.)
90%
Home buyers can lock in a very competitive fixed interest rate for 2 years.
3.79%
3.92%
$0
$0 p.a.
90%
Pay no application or ongoing fee and borrow up to 90% LVR.
3.69%
3.78%
$0
$0 p.a.
70%
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
3.64%
4.63%
$300
$10 monthly ($120 p.a.)
90%
Low fixed rate loan for home buyers. Available with a 10% deposit. 100% offset account attached.
3.49%
4.58%
$0
$395 p.a.
90%
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.69%
4.48%
$300
$10 monthly ($120 p.a.)
90%
This fixed rate loan includes a special offer for new lending of $150000 with an LVR of 90% or less. Offer extended.
3.83%
3.67%
$250
$0 p.a.
80%
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee.
3.89%
3.93%
$0
$0 p.a.
80%
Pay no application or ongoing fee and borrow up to 80% LVR.
3.69%
3.79%
$0
$0 p.a.
70%
Get a low fixed rate for 2 years to minimise interest costs. Requires a 30% deposit.
3.68%
3.77%
$0
$10 monthly ($120 p.a.)
90%
Low fixed rate mortgage that lets new home buyers borrow up to 90%. For a limited time, eligible borrowers can earn double Velocity points.
3.89%
5.24%
$300
$10 monthly ($120 p.a.)
90%
A flexible, competitive fixed rate loan that allows for extra repayments.
3.74%
4.49%
$445
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
4.29%
4.30%
$0
$0 p.a.
95%
A competitive 3-year fixed rate loan with a high max insured LVR.
3.84%
3.82%
$0
$0 p.a.
90%
A fixed rate loan with free redraws and limited fees. Apply online with a fast approval process. $1,000 cashback offer.
4.09%
3.94%
$0
$248 p.a.
80%
Fixed rate home buyer product with very low fees.
3.69%
3.90%
$0
$10 monthly ($120 p.a.)
90%
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.89%
4.90%
$0
$0 p.a.
80%
Get a low fixed rate and pay no application or ongoing fees.
3.96%
3.99%
$0
$0 p.a.
80%
Lock in a 3 year fixed rate with no upfront or ongoing fees.
3.85%
4.18%
$500
$0 p.a.
95%
Apply for Easy Street fixed rate home loans and get a competitive loan with a fixed interest rate.
3.99%
3.96%
$0
$10 monthly ($120 p.a.)
90%
Enjoy a competitive fixed rate with no application fee. Earn Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
3.64%
3.59%
$0
$0 p.a.
90%
Fast, 100% online application process. Very limited fees. Optional offset account (with fee). $1,000 cashback offer.
4.08%
3.93%
$0
$248 p.a.
80%
Borrow up to 80% LVR with no application fee and ongoing fees.
3.86%
3.98%
$0
$0 p.a.
80%
A two year fixed rate home loan with no annual or application fees.
3.89%
3.91%
$0
$0 p.a.
85%
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process. $1,000 cashback offer.
3.49%
4.37%
$0
$0 p.a.
90%
A discounted 1 year fixed rate for home buyers that's available with a 10% deposit. NSW, QLD and ACT residents only.
3.94%
3.94%
$0
$0 p.a.
90%
Lock in a short interest loan term with a low interest rate.
3.99%
4.62%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
3.74%
4.52%
$0
$395 p.a.
90%
Enjoy discounts on banking products and insurance with this package loan. NSW, QLD and ACT residents only.
3.94%
4.82%
$0
$0 p.a.
80%
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
3.74%
4.56%
$0
$395 p.a.
90%
A fixed rate loan with a 100% offset account and the option to make additional repayments. Loans over $150000 receive a discounted rate. NSW, QLD and ACT residents only.

Compare up to 4 providers

Compare the latest fixed rate home loans below

Rates last updated April 23rd, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.74%
4.01%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
3.59%
3.89%
$0
$0 p.a.
80%
Get a very low fixed rate with minimal fees and lock in your repayments for three years.
3.69%
4.48%
$300
$10 monthly ($120 p.a.)
90%
This fixed rate loan includes a special offer for new lending of $150000 with an LVR of 90% or less. Offer extended.
3.69%
3.78%
$0
$0 p.a.
70%
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
3.74%
4.49%
$445
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
3.74%
4.27%
$0
$0 p.a.
90%
Discounted 3 years fixed rate with no ongoing fees and a redraw facility. NSW, QLD and ACT residents only.
3.89%
3.93%
$0
$0 p.a.
80%
Pay no application or ongoing fee and borrow up to 80% LVR.
3.83%
3.67%
$250
$0 p.a.
80%
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee.
3.84%
3.82%
$0
$0 p.a.
90%
A fixed rate loan with free redraws and limited fees. Apply online with a fast approval process. $1,000 cashback offer.
3.74%
4.01%
$395
$0 p.a.
80%
A competitive 3 year fixed rate with no ongoing bank fees.
3.79%
4.31%
$0
$395 p.a.
80%
3.89%
3.91%
$0
$0 p.a.
85%
Apply online with Tic:Toc's fast approval system and get this competitive fixed rate, low-fee loan for investors. $1,000 cashback offer.
3.69%
3.90%
$0
$10 monthly ($120 p.a.)
90%
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.99%
5.02%
$0
$395 p.a.
95%
Pay no application fee and fix your interest for 3 years with this ANZ package home loan.
3.85%
4.98%
$0
$395 p.a.
95%
Borrow up to 95% LVR (subject to approval) and fix your interest repayments for the next 3 years.
3.85%
4.40%
$0
$395 p.a.
95%
4.19%
4.49%
$395
$0 p.a.
80%
Pay no ongoing fees on this investment loan fixed for 3 years.
3.96%
3.99%
$0
$0 p.a.
80%
Lock in a 3 year fixed rate with no upfront or ongoing fees.
3.79%
4.17%
$0
$350 p.a.
95%
New customers get flexible repayments along with a redraw facility when they lock in their rate for 3 years.
3.79%
4.98%
$0
$395 p.a.
95%
Lock in a discounted rate for 3 years and have the option for interest only repayments. $2,000 cashback offer for eligible refinancers.
3.74%
4.52%
$0
$395 p.a.
90%
Enjoy discounts on banking products and insurance with this package loan. NSW, QLD and ACT residents only.
3.79%
4.92%
$600
$8 monthly ($96 p.a.)
95%
Fix your rate and enjoy a partial offset account along with flexible repayments.
3.94%
4.82%
$0
$0 p.a.
80%
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
3.99%
3.94%
$0
$0 p.a.
85%
Buy an investment property and enjoy the certainty of a 3-year fixed rate with interest-only payments. $1,000 cashback offer.
4.29%
4.30%
$0
$0 p.a.
95%
A competitive 3-year fixed rate loan with a high max insured LVR.
3.99%
4.44%
$395
$0 p.a.
80%
Pay no ongoing fees on this investment loan fixed for 3 years.
3.94%
5.13%
$600
$8 monthly ($96 p.a.)
95%
A fixed rate home loan offer from Commonwealth Bank.

Compare up to 4 providers

Compare the latest fixed rate home loans below

Rates last updated April 23rd, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.59%
4.14%
$395
$0 p.a.
80%
Refinance with UBanks low 1 year fixed rate offer. No application fee.
3.64%
4.63%
$300
$10 monthly ($120 p.a.)
90%
Low fixed rate loan for home buyers. Available with a 10% deposit. 100% offset account attached.
3.59%
3.58%
$0
$0 p.a.
90%
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee. $1,000 cashback offer.
3.49%
4.58%
$0
$395 p.a.
90%
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.94%
3.94%
$0
$0 p.a.
90%
Lock in a short interest loan term with a low interest rate.
3.99%
4.62%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
4.08%
3.93%
$0
$248 p.a.
80%
Borrow up to 80% LVR with no application fee and ongoing fees.
4.09%
5.09%
$0
$395 p.a.
95%
Secure a competitive 1-year fixed rate with low ongoing fees.
3.49%
4.37%
$0
$0 p.a.
90%
A discounted 1 year fixed rate for home buyers that's available with a 10% deposit. NSW, QLD and ACT residents only.
4.19%
4.64%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
3.94%
4.67%
$0
$0 p.a.
90%
Fix your investment repayments for 1 year. You can get this loan with a 10% deposit. Available in QLD, NSW and ACT only.
4.04%
5.38%
$600
$8 monthly ($96 p.a.)
95%
A 1 year fixed rate home loan from Commonwealth Bank.
3.89%
4.86%
$0
$395 p.a.
90%
Buy your investment property and set your repayments for the first year. Available in QLD, NSW and ACT only.
4.24%
5.42%
$600
$10 monthly ($120 p.a.)
95%
Enjoy a 1-year fixed rate with flexible features such as redraw, rate lock, a partial interest offset facility, repayment pause and more.
3.79%
4.28%
$375
$15 monthly ($180 p.a.)
95%
A fixed rate home loan with 100% offset account.

Compare up to 4 providers

Compare the latest fixed rate home loans below

Rates last updated April 23rd, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.59%
4.54%
$300
$10 monthly ($120 p.a.)
90%
Home buyers can lock in a very competitive fixed interest rate for 2 years.
3.69%
3.79%
$0
$0 p.a.
70%
Get a low fixed rate for 2 years to minimise interest costs. Requires a 30% deposit.
3.68%
3.77%
$0
$10 monthly ($120 p.a.)
90%
Low fixed rate mortgage that lets new home buyers borrow up to 90%. For a limited time, eligible borrowers can earn double Velocity points.
4.09%
3.94%
$0
$248 p.a.
80%
Fixed rate home buyer product with very low fees.
3.89%
5.24%
$300
$10 monthly ($120 p.a.)
90%
A flexible, competitive fixed rate loan that allows for extra repayments.
3.99%
3.96%
$0
$10 monthly ($120 p.a.)
90%
Enjoy a competitive fixed rate with no application fee. Earn Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
3.85%
4.18%
$500
$0 p.a.
95%
Apply for Easy Street fixed rate home loans and get a competitive loan with a fixed interest rate.
3.89%
4.90%
$0
$0 p.a.
80%
Get a low fixed rate and pay no application or ongoing fees.
3.75%
5.04%
$0
$395 p.a.
95%
This 2 year fixed ANZ Breakfree Package rate comes with package discount and product bundle. Terms and conditions, package fee and fees, charges & eligibility criteria apply.
3.74%
4.16%
$0
$350 p.a.
95%
New customers can enjoy flexible repayments and a partial offset account.
3.89%
5.55%
$0
$395 p.a.
90%
Get 5-15% discounts on insurance products with this package loan from CommBank. Available with a 10% deposit.
3.74%
4.56%
$0
$395 p.a.
90%
A fixed rate loan with a 100% offset account and the option to make additional repayments. Loans over $150000 receive a discounted rate. NSW, QLD and ACT residents only.
3.79%
5.07%
$0
$395 p.a.
95%
Get discounts on a range of Commonwealth Bank products and enjoy the option of fee-free extra repayments during the fixed term. $2,000 cashback offer for eligible refinancers.
4.05%
4.22%
$0
$10 monthly ($120 p.a.)
90%
Lock in your interest rate on your investment property for 2 years. Earn Velocity Frequent Flyer Points.
3.74%
5.03%
$600
$8 monthly ($96 p.a.)
95%
Get a partial offset account and the option to make interest-only repayments.
3.89%
3.91%
$0
$0 p.a.
85%
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process. $1,000 cashback offer.
3.94%
5.25%
$600
$8 monthly ($96 p.a.)
95%
Competitive fixed rate offer from a Big Four bank. Refinancers could be eligible for $2,000 cashback.

Compare up to 4 providers

Compare the latest fixed rate home loans below

Rates last updated April 23rd, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.74%
4.17%
$0
$0 p.a.
90%
A low-fee fixed rate home loan with a redraw facility. NSW, QLD and ACT residents only.
4.09%
4.10%
$395
$0 p.a.
80%
An online only home loan with a great 5 year fixed rate. Available for refinance and purchases.
4.09%
4.84%
$600
$8 monthly ($96 p.a.)
95%
A 5-year fixed rate that allows for extra repayments.
4.59%
4.02%
$250
$0 p.a.
80%
Buy a home to live in and lock in the interest rate for 5 years.
4.19%
4.66%
$499
$0 p.a.
95%
Get the certainty of a rate lock and the flexibility to make additional repayments.
4.29%
4.12%
$0
$0 p.a.
80%
A 5 year fixed home loan with a low interest rate for owner occupiers.
4.39%
5.06%
$0
$395 p.a.
95%
Fix in a competitive rate for five years and pay no establishment or monthly fees.
4.69%
4.23%
$499
$0 p.a.
80%
Fix your rate for 5 years while you pay off your investment property. Add an offset account for just $10 a month.
4.49%
4.56%
$395
$0 p.a.
80%
Lock in a 5 year fixed rate on your investment loan and pay no ongoing fees.
3.99%
4.50%
$0
$395 p.a.
90%
Get the security of knowing your repayments with this 5 year fixed rate package home loan.
4.56%
4.18%
$0
$0 p.a.
85%
This fixed rate investment loan has a competitive interest rate, limited fees and flexible repayment options. Apply online and get quick approval. $1,000 cashback offer.
4.09%
4.87%
$0
$395 p.a.
95%
You can save on several Westpac products by packaging your 5-year fixed rate home loan.
3.79%
3.80%
$0
$0 p.a.
70%
Lock in a competitive fixed interest rate for 5 years when you buy your home. Requires a 30% deposit.
4.09%
4.95%
$0
$395 p.a.
95%
A competitive interest rate with a range of repayment choices.
4.46%
4.08%
$0
$0 p.a.
90%
Get quick online approval for Tic:Toc's fixed rate owner occupier home loan. Low fees, flexible repayments. $1,000 cashback offer.
4.69%
4.64%
$395
$0 p.a.
80%
Forget about rate rises for 5 years and minimise repayments on your investment mortgage.
4.19%
4.97%
$0
$395 p.a.
95%
Get discounts on your rate and fees by packaging your home loan.

Compare up to 4 providers

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UBank UHomeLoan Fixed Rate

UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)

3.59 % p.a.

fixed rate

4.14 % p.a.

comparison rate

UBank UHomeLoan Fixed Rate

Apply for a one year fixed rate offer with no ongoing bank fees.

  • Interest rate of 3.59% p.a.
  • Comparison rate of 4.14% p.a.
  • Application fee of $395
  • Maximum LVR: 80%
  • Minimum borrowing: $100,000
  • Max borrowing: $1,000,000
Go to site
Promoted

Compare fixed rates

How does a fixed rate benefit borrowers?

A fixed rate home loan benefits those who want to budget with confidence and don’t want their repayments rising due to higher interest rates. A fixed rate home loan can be a good option for
borrowers who want to budget with certainty, first home buyers who are adapting to the routine of making regular repayments, and investors who want to ensure that their cash flow isn't affected by rising interest rates.

If you fix your rate at the bottom of the market, you can reap the benefit of a secure and competitive rate when the rest of the market bears the risk of higher interest rates.

Hypothetical case study: Phoebe locks in her rate

Fixed rate case study PhoebePhoebe and her husband have decided to purchase a property in West Pennant Hills, NSW. After speaking with a local mortgage broker, Phoebe learns that she needs to borrow $790,000 to complete the purchase.

After comparing different home loans recommended by her broker, Phoebe is torn about whether they should opt for a fixed rate or a variable rate mortgage. Phoebe knows that she and her husband anticipate to have children in the near future and as a result she is concerned about how they would manage their repayments if interest rates rose.

While she is drawn to the competitive features offered with a variable rate loan, such as a 100% offset account and the ability to make additional repayments without penalty, Phoebe believes that the certainty and security of a fixed rate loan will better suit their lifestyle.

She decides to lock in a competitive rate of 4.57% over a 5 year term.

What are the pros and cons of a fixed rate mortgage?

A range of benefits and drawbacks are associated with a fixed rate home loan which are discussed below.

Pros

  • Repayment certainty. One of the benefits of opting for a fixed-rate home loan is that it offers you the peace of mind in knowing what your periodic repayments will be. This allows you to budget more effectively as repayments remain the same until the fixed rate period ends.
  • Security. With a fixed-rate home loan you are protected from interest rate rises as your interest rate is locked in for the specified term.
  • Flexible loan terms. Fixed-rate mortgages are available from many Australian lenders with a variety of fixed loan terms available.

Cons

  • Limited features. Fixed rate loans don't have a lot of flexibility compared to variable rate mortgages. Most lenders don’t offer fixed home loans with 100% redraw facilities or 100% offset accounts, but it is possible to find some that do.
  • Break costs. If you decide to break out of a fixed rate loan before the end of the specified term, you may face a significant break cost.
  • Lower rates. If the RBA slashes the cash rate, you could end up with a higher rate compared to variable home loans on the market.

Learn more about the benefits and drawbacks of fixed and variable rate loans.

When is it not a good idea to opt for a fixed rate?

As interest rates are unpredictable, you generally shouldn’t take out a fixed rate loan if you are simply trying to beat the market-- this should not form the basis of your decision. A fixed interest rate may not be a good idea if you:

  • Plan to increase your loan
  • Intend to sell your property
  • Want to make additional repayments
  • Want to refinance to a variable rate loan during the fixed term
  • Want competitive and flexible features such as a 100% offset account and a redraw facility

Different fixed rate scenarios

Let's look at some different situations to see if a fixed rate home loan is suitable.

I'm planning to move houses soon, does a fixed rate home loan suit me?

It's best to avoid moving out until the fixed term has finished to avoid refinancing. Refinancing during the fixed rate period and will incur break costs.

One option is to opt for a fixed rate home loan that comes with a portability option that lets you transfer your existing loan to the new property.

I'm currently stuck with a fixed rate home loan that has a high interest rate. Can I refinance?

Unfortunately, refinancing during the fixed term period will incur a range of fees. However, if your current interest rate is very high, it may be worth refinancing to a lower interest rate.

Use our switching costs calculator to help you calculate whether refinancing your loan now will end up saving or costing you money.

You can also find out: what happens if you break a fixed rate loan contract

Can I negotiate a fixed interest rate?

Yo