Fixed interest rate home loan revert rates

As part of your due diligence when researching home loans it's 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
3.74% p.a.

4.17% p.a.

Newcastle Permanent Fixed Rate Home Loan - 3 year fixed
3.94% p.a.
ANZ Fixed Rate Home Loan - 3 Year Fixed Rate
4.14% p.a.
5.2% p.a.
NAB National Choice Package Home Loan - 3 Year Fixed
3.94% p.a.
From 4.34% p.a. depending on loan amount
RAMS Fixed Rate Home Loan - 3 Year Fixed Rate
4.15% 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
4.14% p.a.
5.22% p.a.
Community First Fixed Home Loan - 3 Year Fixed Rate
3.99% p.a.
5.42% p.a.
St.George Fixed Rate Home Loan - 3 Year Fixed Rate
4.14% p.a.
5.81% p.a.
Aussie Optimizer Fixed Rate Home Loan - 3 Year Fixed Rate
3.99% p.a.
From 3.84% p.a. depending on LVR and loan amount
Aussie Select Basic Fixed Rate Home Loan - 3 Year Fixed Rate
4.09% p.a.
From 4.14% p.a. depending on LVR and loan amount
Citibank Fixed Rate Loan - 3 Year Fixed Rate
4.29% p.a.
5.67% p.a.
Commonwealth Bank Wealth Package Fixed Home Loan - 3 Year Fixed Rate
3.99% p.a.
From depending on loan amount
NAB Tailored Fixed Rate Home Loan - 3 Year Fixed
4.04% p.a.
5.24% p.a.
Suncorp Bank Fixed Rate Home Loan (3 Year Fixed)
4.14% p.a.
5.6% p.a.
Westpac Fixed Options Home Loan - 3 Year Fixed Rate
4.19% p.a.
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Important Information*
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupied Variable P&I Rate — borrowing $700,000 or more

Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, P&I)

New borrowers or refinancers from another lender get a discounted rate with this package loan.

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2 Responses

  1. Default Gravatar
    MelanieJanuary 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
      MarcJanuary 7, 2014Staff

      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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