Homeloans Fixed Rate Home Loan

Rates and Fees verified correct on December 3rd, 2016

Be safeguarded against rising rates with a fixed rate

The HomeLoans home loan lets you take advantage of discounted interest rates. You will pay an annual fee for your package, but you benefit by saving money with the competitive interest rates available.

Homeloans Fixed Rate Home Loan: Overview

Choosing to fix your home loan interest rate gives you the benefit of being able to avoid any future interest rate rises for the entire fixed rate term. You also have the additional benefit of knowing your repayments can’t change throughout that time. This is a great way to retain control of your household budget without fear of your payments rising for the next few years.

Rates and fees

The current rates and fees that apply to the Fixed Rate home loan are as follows:

Interest Rate Max Insured LVR Max LVR
1 Year (fixed over 50%) LVR <= 80% (Investor + P&I)
4.34% p.a.
Comparison Rate
4.30% p.a.
80% 80%
1 Year (fixed up to 50%) LVR 80.01% to 90% (Investor + P&I)
4.29% p.a.
Comparison Rate
4.29% p.a.
90% 80.01%
1 Year (fixed up to 50%) LVR 90.01%+ (Owner Occupier + I/O)
4.44% p.a.
Comparison Rate
4.48% p.a.
95% 90.01%
1 Year (fixed up to 50%) LVR 80.01%
4.09% p.a.
Comparison Rate
4.09% p.a.
95% 80%
1 Year (fixed up to 50%) LVR 80.01%
4.29% p.a.
Comparison Rate
4.29% p.a.
90% 90%
1 Year (fixed up to 50%) LVR over 90% (Owner Occupier + P&I)
4.24% p.a.
Comparison Rate
4.29% p.a.
95% 80%
1 Year (fixed up to 50%) LVR up to 80% (Owner Occupier + I/O)
4.19% p.a.
Comparison Rate
4.28% p.a.
80% 80%
3 Years $200,000+ LVR <=80%
3.79% p.a.
Comparison Rate
4.04% p.a.
80% 80%
1 Year (fixed up to 50%) LVR <= 80% (Investor + P&I)
4.19% p.a.
Comparison Rate
4.28% p.a.
80% 80%
1 Year $200,000+ LVR <=80%
3.99% p.a.
Comparison Rate
4.08% p.a.
80% 80%
1 Year (fixed up to 50%) LVR up to 80% (Owner Occupier + P&I)
3.99% p.a.
Comparison Rate
4.08% p.a.
80% 80%
1 Year (fixed up to 50%) LVR 80.01% to 90% (Investor + I/O)
4.49% p.a.
Comparison Rate
4.49% p.a.
90% 80.01%
1 Year (fixed over 50%) LVR 80.0% to 90% (Investor + I/O)
4.64% p.a.
Comparison Rate
4.50% p.a.
90% 80.01%
1 Year (fixed over 50%) LVR 80.0% to 90% (Investor + P&I)
4.44% p.a.
Comparison Rate
4.30% p.a.
90% 80.01%
1 Year (fixed up to 50%) LVR <= 80% (Investor + I/O)
4.39% p.a.
Comparison Rate
4.48% p.a.
80% 80%
1 Year (fixed over 50%) LVR <= 80% (Investor + I/O)
4.54% p.a.
Comparison Rate
4.49% p.a.
80% 80%
1 Year (fixed over 50%) LVR 80.01%
4.44% p.a.
Comparison Rate
4.30% p.a.
95% 80%
1 Year (fixed over 50%) LVR up to 80% (Owner Occupier + I/O)
4.34% p.a.
Comparison Rate
4.30% p.a.
95% 80%
1 Year (fixed over 50%) LVR 80.01%
4.24% p.a.
Comparison Rate
4.11% p.a.
95% 80%
1 Year (fixed over 50%) LVR over 90% (Owner Occupier + P&I)
4.39% p.a.
Comparison Rate
4.30% p.a.
95% 80%
1 Year (fixed over 50%) LVR up to 80% (Owner Occupier + P&I)
4.14% p.a.
Comparison Rate
4.10% p.a.
95% 80%
1 Year (fixed over 50%) LVR over 90% (Owner Occupier + I/O)
4.59% p.a.
Comparison Rate
4.50% p.a.
95% 80%
2 Years (fixed up to 50%) LVR 80.01%
4% p.a.
Comparison Rate
4.09% p.a.
95% 80%
2 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + I/O)
4.4% p.a.
Comparison Rate
4.49% p.a.
90% 80.01%
2 Years (fixed up to 50%) LVR <= 80% (Investor + P&I)
4.1% p.a.
Comparison Rate
4.27% p.a.
80% 80%
2 Years (fixed up to 50%) LVR <= 80% (Investor + I/O)
4.3% p.a.
Comparison Rate
4.47% p.a.
80% 80%
2 Years (fixed up to 50%) LVR up to 80% (Owner Occupier + P&I)
3.9% p.a.
Comparison Rate
4.07% p.a.
80% 80%
2 Years (fixed up to 50% ) LVR over 90% (Owner Occupier + P&I)
4.15% p.a.
Comparison Rate
4.28% p.a.
95% 80%
3 Year (fixed over 50%) LVR over 90% (Owner Occupier + I/O)
4.39% p.a.
Comparison Rate
4.49% p.a.
95% 80%
2 Years $200,000+ LVR <=80%
3.9% p.a.
Comparison Rate
4.07% p.a.
80% 80%
2 Years (fixed up to 50%) LVR 90.01%+ (Owner Occupier + I/O)
4.35% p.a.
Comparison Rate
4.48% p.a.
95% 90.01%
2 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + P&I)
4.2% p.a.
Comparison Rate
4.29% p.a.
90% 80.01%
2 Year (fixed up to 50%) LVR up to 80% (Owner Occupier + I/O)
4.1% p.a.
Comparison Rate
4.27% p.a.
80% 80%
2 Year (fixed over 50%) LVR over 90% (Owner Occupier + P&I)
4.3% p.a.
Comparison Rate
4.31% p.a.
95% 80%
2 Year (fixed over 50%) LVR up to 80% (Owner Occupier + I/O)
4.25% p.a.
Comparison Rate
4.30% p.a.
95% 80%
2 Years (fixed over 50%) LVR 80.0% to 90% (Investor + P&I)
4.35% p.a.
Comparison Rate
4.32% p.a.
90% 80.01%
2 Year (fixed over 50%) LVR 80.01%
4.15% p.a.
Comparison Rate
4.12% p.a.
95% 80%
2 Year (fixed over 50%) LVR 80.01%
4.35% p.a.
Comparison Rate
4.32% p.a.
95% 80%
2 Year (fixed over 50%) LVR up to 80% (Owner Occupier +P&I)
4.05% p.a.
Comparison Rate
4.10% p.a.
95% 80%
2 Year (fixed over 50%) LVR over 90% (Owner Occupier + I/O)
4.5% p.a.
Comparison Rate
4.51% p.a.
95% 80%
2 Years (fixed over 50%) LVR 80.0% to 90% (Investor + I/O)
4.55% p.a.
Comparison Rate
4.52% p.a.
90% 80.01%
2 Years (fixed over 50%) LVR <= 80% (Investor + P&I)
4.25% p.a.
Comparison Rate
4.30% p.a.
80% 80%
2 Years (fixed over 50%) LVR <= 80% (Investor + I/O)
4.45% p.a.
Comparison Rate
4.50% p.a.
80% 80%
2 Years (fixed up to 50%) LVR 80.01%
4.2% p.a.
Comparison Rate
4.29% p.a.
90% 90%
3 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + I/O)
4.29% p.a.
Comparison Rate
4.47% p.a.
90% 80.01%
3 Years (fixed up to 50%) LVR 80.01%
3.89% p.a.
Comparison Rate
4.07% p.a.
95% 80%
3 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + P&I)
4.09% p.a.
Comparison Rate
4.27% p.a.
90% 80.01%
3 Years (fixed up to 50%) LVR up to 80% (Owner Occupier + P&I)
3.79% p.a.
Comparison Rate
4.04% p.a.
80% 80%
4 Year (fixed over 50%) LVR 80.01%
4.44% p.a.
Comparison Rate
4.38% p.a.
95% 80%
4 Years (fixed up to 50%) LVR up to 80% (Owner Occupier + I/O)
4.19% p.a.
Comparison Rate
4.30% p.a.
80% 80%
3 Years (fixed up to 50%) LVR <= 80% (Investor + P&I)
3.99% p.a.
Comparison Rate
4.24% p.a.
80% 80%
3 Years (fixed up to 50%) LVR up to 80% (Owner Occupier + I/O)
3.99% p.a.
Comparison Rate
4.24% p.a.
80% 80%
3 Years (fixed up to 50%) LVR over 90% (Owner Occupier + P&I)
4.04% p.a.
Comparison Rate
4.25% p.a.
95% 80%
3 Years (fixed up to 50%) LVR 90.01%+ (Owner Occupier + I/O)
4.24% p.a.
Comparison Rate
4.45% p.a.
95% 90.01%
3 Years (fixed over 50%) LVR up to 80% (Owner Occupier + P&I)
3.94% p.a.
Comparison Rate
4.08% p.a.
95% 80%
3 Years (fixed over 50%) LVR <= 80% (Investor + I/O)
4.34% p.a.
Comparison Rate
4.48% p.a.
80% 80%
3 Years (fixed over 50%) LVR <= 80% (Investor + P&I)
4.14% p.a.
Comparison Rate
4.28% p.a.
80% 80%
3 Years (fixed up to 50%) LVR 80.01%
4.09% p.a.
Comparison Rate
4.27% p.a.
90% 80.01%
3 Year (fixed over 50%) LVR 80.01%
4.24% p.a.
Comparison Rate
4.31% p.a.
95% 80%
3 Years (fixed up to 50%) LVR <= 80% (Investor + I/O)
4.19% p.a.
Comparison Rate
4.44% p.a.
80% 80%
3 Year (fixed over 50%) LVR up to 80% (Owner Occupier + I/O)
4.14% p.a.
Comparison Rate
4.28% p.a.
95% 80%
3 Years (fixed over 50%) LVR over 90% (Owner Occupier + P&I)
4.19% p.a.
Comparison Rate
4.29% p.a.
95% 80%
3 Years (fixed over 50%) LVR 80.0% to 90% (Investor + P&I)
4.24% p.a.
Comparison Rate
4.31% p.a.
90% 80.01%
3 Years (fixed over 50%) LVR 80.01%
4.04% p.a.
Comparison Rate
4.11% p.a.
95% 80%
3 Years (fixed over 50%) LVR 80.0% to 90% (Investor + I/O)
4.44% p.a.
Comparison Rate
4.51% p.a.
90% 80.01%
4 Years (fixed up to 50%) LVR 80.01%
4.09% p.a.
Comparison Rate
4.13% p.a.
95% 80%
4 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + I/O)
4.49% p.a.
Comparison Rate
4.53% p.a.
90% 80.01%
4 Years (fixed up to 50%) LVR 80.01%
4.29% p.a.
Comparison Rate
4.33% p.a.
90% 80.01%
4 Years (fixed up to 50%) LVR over 90% (Owner Occupier + P&I)
4.24% p.a.
Comparison Rate
4.32% p.a.
95% 80%
4 Years (fixed up to 50%) LVR <= 80% (Investor + P&I)
4.19% p.a.
Comparison Rate
4.30% p.a.
80% 80%
4 Years $200,000+ LVR <=80%
3.99% p.a.
Comparison Rate
4.10% p.a.
80% 80%
4 Years (fixed up to 50%) LVR up to 80% (Owner Occupier + P&I)
3.99% p.a.
Comparison Rate
4.10% p.a.
80% 80%
4 Years (fixed up to 50%) LVR 90.01%+ (Owner Occupier + I/O)
4.44% p.a.
Comparison Rate
4.51% p.a.
95% 90.01%
4 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + P&I)
4.29% p.a.
Comparison Rate
4.33% p.a.
90% 80.01%
4 Years (fixed over 50%) LVR <= 80% (Investor + I/O)
4.54% p.a.
Comparison Rate
4.55% p.a.
80% 80%
4 Years (fixed over 50%) LVR <= 80% (Investor + P&I)
4.34% p.a.
Comparison Rate
4.35% p.a.
80% 80%
4 Years (fixed over 50%) LVR over 90% (Owner Occupier + P&I)
4.39% p.a.
Comparison Rate
4.37% p.a.
95% 80%
4 Year (fixed over 50%) LVR up to 80% (Owner Occupier + I/O)
4.34% p.a.
Comparison Rate
4.35% p.a.
95% 80%
4 Years (fixed up to 50%) LVR <= 80% (Investor + I/O)
4.39% p.a.
Comparison Rate
4.50% p.a.
80% 80%
4 Year (fixed over 50%) LVR over 90% (Owner Occupier + I/O)
4.59% p.a.
Comparison Rate
4.57% p.a.
95% 80%
4 Years (fixed over 50%) LVR up to 80% (Owner Occupier + P&I)
4.14% p.a.
Comparison Rate
4.15% p.a.
95% 80%
4 Years (fixed over 50%) LVR 80.01%
4.24% p.a.
Comparison Rate
4.18% p.a.
95% 80%
4 Years (fixed over 50%) LVR 80.0% to 90% (Investor + I/O)
4.64% p.a.
Comparison Rate
4.58% p.a.
90% 80.01%
4 Years (fixed over 50%) LVR 80.0% to 90% (Investor + P&I)
4.44% p.a.
Comparison Rate
4.38% p.a.
90% 80.01%
5 Years (fixed up to 50%) LVR 80.01%
4.79% p.a.
Comparison Rate
4.43% p.a.
95% 80%
5 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + I/O)
5.19% p.a.
Comparison Rate
4.84% p.a.
90% 80.01%
5 Years (fixed up to 50%) LVR 80.01%
4.99% p.a.
Comparison Rate
4.64% p.a.
90% 90%
5 Years (fixed up to 50%) LVR over 90% (Owner Occupier + P&I)
4.94% p.a.
Comparison Rate
4.61% p.a.
95% 80%
5 Years $200,000+ LVR <=80%
4.69% p.a.
Comparison Rate
4.39% p.a.
80% 80%
5 Years (fixed up to 50%) LVR <= 80% (Investor + P&I)
4.89% p.a.
Comparison Rate
4.59% p.a.
80% 80%
5 Years (fixed up to 50%) LVR up to 80% (Owner Occupier + P&I)
4.69% p.a.
Comparison Rate
4.39% p.a.
80% 80%
5 Years (fixed up to 50%) LVR up to 80% (Owner Occupier + I/O)
4.89% p.a.
Comparison Rate
4.59% p.a.
80% 80%
5 Years (fixed up to 50%) LVR 90.01%+ (Owner Occupier + I/O)
5.14% p.a.
Comparison Rate
4.82% p.a.
95% 90.01%
5 Years (fixed up to 50%) LVR 80.01% to 90% (Investor + P&I)
4.99% p.a.
Comparison Rate
4.64% p.a.
90% 80.01%
5 Years (fixed over 50%) LVR <= 80% (Investor + I/O)
5.24% p.a.
Comparison Rate
4.86% p.a.
80% 80%
5 Years (fixed over 50%) LVR <= 80% (Investor + P&I)
5.04% p.a.
Comparison Rate
4.66% p.a.
80% 80%
5 Year (fixed over 50%) LVR up to 80% (Owner Occupier + I/O)
5.04% p.a.
Comparison Rate
4.66% p.a.
95% 80%
5 Year (fixed over 50%) LVR over 90% (Owner Occupier + I/O)
5.29% p.a.
Comparison Rate
4.88% p.a.
95% 80%
5 Year (fixed over 50%) LVR 80.01%
5.14% p.a.
Comparison Rate
4.70% p.a.
95% 80%
5 Years (fixed over 50%) LVR 80.0% to 90% (Investor + I/O)
5.34% p.a.
Comparison Rate
4.90% p.a.
90% 80.01%
5 Years (fixed over 50%) LVR up to 80% (Owner Occupier + P&I)
4.84% p.a.
Comparison Rate
4.46% p.a.
95% 80%
5 Years (fixed over 50%) LVR over 90% (Owner Occupier + P&I)
5.09% p.a.
Comparison Rate
4.68% p.a.
95% 80%
5 Years (fixed over 50%) LVR 80.01%
4.94% p.a.
Comparison Rate
4.50% p.a.
95% 80%
5 Years (fixed over 50%) LVR 80.0% to 90% (Investor + P&I)
5.14% p.a.
Comparison Rate
4.70% p.a.
90% 80.01%
5 Years (fixed up to 50%) LVR <= 80% (Investor + I/O)
5.09% p.a.
Comparison Rate
4.79% p.a.
80% 80%
Product NameHomeloans Ultra Plus Fixed Home Loan
Interest Rate TypeFixed
Comp Rate^ (p.a.)
Minimum Loan Amount$30,000
Maximum Loan Amount$2,000,000
Minimum Loan Term5 years
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Loan Redraw FacilityYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$0
Lender's Legal Fee$0
Valuation Fee$0
Ongoing Fees$330 p.a.
Settlement Fee$150
Discharge Fee$545

Pros

  • Split your loan so that some is variable and some is fixed.
  • Borrow up to 80% of the property value.

Cons

  • There is a valuation fee of $0.
  • There is a $330 annual package fee.

*The discounted fixed rate for loans with a LVR (loan to value ratio) of less than 75% also needs to be higher than $200,000 for the discount rate to apply.

Flexible loan options

There are a number of flexible loan options you can benefit from with the Fixed home loan. If you wish to make additional repayments off your mortgage during the fixed term, you may need to choose a split loan option. This lets you benefit by locking in your interest rate at a very low fixed rate, but also gives you the flexibility of a variable rate on your second split. While your fixed rate loan portion can't change during that fixed term, your variable rate portion can. This means your rate may go up, but it also may continue to fall, which drops your payments. You get the best of both options with this choice.

Payments can be set so you pay them weekly, fortnightly or monthly around whenever you get paid. You're also able to make your payments by direct debit from your usual transaction account, or via BPAY, or even by salary crediting some of your pay into your account each time you get paid.

You can choose to set your payments so you're making a full Principal and Interest payment, which reduces your mortgage balance with every payment you make. You also have the option of setting your payments so you pay the interest-only amount due.

Redraw facility

There is also a redraw facility available if you wish to withdraw those extra payments. However, you will need to keep in mind that you can only redraw those excess payments after the fixed term has ended and your loan has reverted to a variable rate. You can redraw your money via internet banking or phone banking. Alternatively, you can redraw from your account via ATM or EFTPOS transaction if you prefer.

Who can apply for the Homeloans Fixed Home Loan?

Individuals over the age of 18 are able to apply for this home loan account. Homeloans will also accept applications in the name of a company or trust. Non-Australian residents are also encouraged to apply.


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Homeloans Fixed Rate Home Loan Interest Rate History vs RBA Cash Rate Graph


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This page was last modified on 20 January 2015 at 13:48.

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Homeloans Ultra Plus Fixed Home Loan

  • Interest Rate

    N/A

  • Comparison Rate

    N/A

  • App Fee / Annual Service Fee

    $0 / $330

  • Max LVR

    80%

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