Fixed Interest Rate Home Loan Revert Rates

Rates and Fees verified correct on December 10th, 2016

As part of your due diligence when researching home loans it is important to find out what your fixed rate home loan will revert to.

At the end of the fixed rate period for your home loan if you don't chose to re-fix the loan the rate will revert to a variable interest rate. In most cases the lender won't revert to the lowest variable rate they have and instead you'll find yourself in a lot of cases paying their highest rate of interest, typically the standard variable rate. Check out our comparison below to give you an idea of fixed rate home loans and interest rates they revert to at the end of the fixed rate period.

3 Year Fixed Rate

Home LoanInterest RateFixed Rate Revert Rate
3.69% p.a.

4.17% p.a.

Newcastle Permanent Fixed Rate Home Loan - 3 year fixed
3.99% p.a.
ANZ Fixed Rate Home Loan - 3 Year Fixed Rate
4% p.a.
5.25% p.a.
NAB National Choice Package Home Loan - 3 Year Fixed
3.89% p.a.
From 4.35% p.a. depending on loan amount
RAMS Fixed Rate Home Loan - 3 Year Fixed Rate
4.24% p.a.
Homeloans Ultra - 3 Year Fixed Rate
From 4.34% p.a. depending LVR and loan amount
From depending on LVR and loan amount
Commonwealth Bank Fixed Rate Home - 3 Year Fixed Rate
4.24% p.a.
5.22% p.a.
Community First Fixed Home Loan - 3 Year Fixed Rate
3.99% p.a.
5.32% p.a.
St.George Fixed Rate Home Loan - 3 Year Fixed Rate
4.24% p.a.
5.34% p.a.
Aussie Optimizer Fixed Rate Home Loan - 3 Year Fixed Rate
4.24% p.a.
From 3.86% p.a. depending on LVR and loan amount
Aussie Select Basic Fixed Rate Home Loan - 3 Year Fixed Rate
3.99% p.a.
From 3.89% p.a. depending on LVR and loan amount
Citibank Fixed Rate Loan - 3 Year Fixed Rate
4.19% p.a.
5.58% p.a.
Commonwealth Bank Wealth Package Fixed Home Loan - 3 Year Fixed Rate
4.09% p.a.
From depending on loan amount
NAB Tailored Fixed Rate Home Loan - 3 Year Fixed
3.99% p.a.
5.25% p.a.
Suncorp Bank Fixed Rate Home Loan (3 Year Fixed)
3.99% p.a.
5.4% p.a.
Westpac Fixed Options Home Loan - 3 Year Fixed Rate
4.29% p.a.
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This page was last modified on 3 March 2016 at 15:42.

HSBC Home Value Loan - Resident Owner Occupier only

Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.

ME Bank Basic Home Loan - LVR <=80% Owner Occupier

A low variable rate loan with no application or ongoing fees.

NAB Choice Package Home Loan - 3 Year Fixed (Owner Occupier)

Receive discounts on interest rates with the Choice Package. 250,000 Velocity Frequent Flyer point offer, conditions apply.

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2 Responses to Fixed Interest Rate Home Loan Revert Rates

  1. Default Gravatar
    Melanie | January 7, 2014

    Would you please advise which is the better Home Loan Interest Rate Option:

    1st Option – 4.79% fixed for 2 years
    OR
    2nd Option – 4.95% fixed for 3 years

    Will I be saving more in the long run if I take up the second option?

    Thank you.

    • Staff
      Marc | January 7, 2014

      Hi Melanie,
      thanks for the question.

      Unfortunately I’m not able to give any personal advice or state which loan will be better. Whether or not you’ll save more will depend on a range of factors, including the features offered on both loans and your risk appetite. I suggest speaking to a financial advisor, or carrying out a comparison of both loans using a home loan interest rate calculator. This will help you see what the difference between the two loans will be from an interest rate perspective.

      Sorry I couldn’t be of more help,
      Marc.

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