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Compare Fixed Rate Home Loans

Compare the latest Fixed Rate Home Loan offers. Up to $4,000 when you refinance. Rates from 5.14% p.a. (5.76% p.a. comparison rate*). Low deposit home loans.


Updated 21 December 2024


Fact checked and verified. Updated 21 December 2024
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FAQs

Review the best fixed rate home loan offers in Australia and see how your current mortgage compares. At Stay or Go, we’ve conducted a comprehensive analysis of all the best fixed rate home loan products currently available from Australia’s most reputable lenders and financial institutions. We’ve taken this information, and compiled it here for you to compare against your current mortgage.

It might be beneficial to refinance your existing home loan to take advantage of another lender's lower fixed rate home loan interest rate. However, there are a few factors to keep in mind when considering switching to another mortgage provider in Australia.

Firstly, you’ll need to factor in the cost of lenders mortgage insurance (LMI) if you have less than 20% equity in your home at the time of switching loans. Other costs that will determine whether it’s worth switching to a lower fixed rate mortgage include:

  • Termination fee for closing your existing loan;
  • Application fee for the new loan; and
  • Refinancing fee if you choose to take out a different mortgage with the same lender.

Not all fixed rate home loans are created equal, and different products cater for differing needs and circumstances. Perhaps your current mortgage suited your specific circumstances at the time you purchased your home, but now there are other fixed rate home loans available with better features and benefits that appeal to your needs.

Stay or Go makes it easy to determine whether your current arrangement is still the best option for you, or whether it’s time to jump ship (either to a new loan with your current provider, or a new provider). If you find that there are better fixed rate mortgages on offer, it’s worth asking your current lender for a better deal before making any concrete decisions – your lender might reduce the interest rate on your current home loan in an effort to keep your business.

Stay or Go allows you to compare fixed rate home loan offer from all the major banks in Australia, as well as the leading challengers. You can also use Stay or Go to compare variable rate home loans, investment home loans, balance transfer credit cards, Qantas Frequent Flyer credit cards, travel insurance credit cards, personal loans, and more.

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* Comparison rate is based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.