5 Year Fixed Rate Home Loans Comparison & Interest Rates - Best Find

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Home loan amount

Deposit percentage

Loan term (years)

Interest rate type

Repayment frequency

Features

State availability

Home loan type

Home loan provider

Important disclosure

5 Year Fixed Rate Home Loans

for $150,000 over 25 years
No unnecessary features, no application fees and no monthly fees.

Home Loan Overview

Maximum LVR 95% Inlcuding LMI

Maximum insured LVR 95% Inlcuding LMI

Minimum loan amount$100,000

Maximum loan amount$999,999,999.99

Minimum loan term n/a

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.79%

GO TO Hume Bank

Repayments & Redraws

Monthly repayments (approx)$774

Total repayments (approx)$232,341

Total interest (approx)$82,341

Redraw facility Yes

Redraw fee FREE (online) $25 in-branch

Minimum redraw amount $50

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees No

Extra repayments restrictions n/a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Hume Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $0-$200

Regular or monthly fee $0

GO TO Hume Bank

Loan Availability

InvestmentNo

First home buyersNo

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Hume Bank

Other

SponsoredYes

Data accurate as of12/07/2017

GO TO Hume Bank

Comparison rate warning

*Visit our website for full T&Cs. Rate only available to owner occupied loans refinanced from another institution with principal and interest repayments on loan amounts over $100,000. **Comparison rate based on a secured loan of $150,000 over 25 years for loans being refinanced from another institution. 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. Terms, conditions and normal lending criteria apply. Hume Bank Limited ABN 85 051 868 556 AFSL and Australian Credit Licence No. 244248.

GO TO Hume Bank

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No upfront or ongoing fees. Save more than $500 and enjoy not having to pay on upfront or monthly fees. Free online redraw and unlimited additional repayments. 100% mortgage offset account.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.79%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$774

Total repayments (approx)$232,341

Total interest (approx)$82,341

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of5/06/2018

GO TO Beyond Bank

Comparison rate warning

The comparison rate is calculated on a $150,000 loan with monthly repayments over a term of 25 years. 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. Interest rates are subject to change without notice.

GO TO Beyond Bank

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.99%

Home loan comparison rate3.90%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.84%

Home loan comparison rate3.84%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$778

Total repayments (approx)$233,568

Total interest (approx)$83,568

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.99%

Home loan comparison rate3.90%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)4.09%

Home loan comparison rate4.09%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$799

Total repayments (approx)$239,769

Total interest (approx)$89,769

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 70%

Maximum insured LVR 70%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.99%

Home loan comparison rate3.90%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

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The Fixed Owner Occupied home loan is aimed at those looking for lock in their loan for greater budgeting and predictability. The Fixed account loan comes with options to make additional repayments of up to $20,000 per year. This loan is perfect for those that do not want to worry about their loan and to spend more time with their lives.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$5,000,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Fixed

Home loan interest rates (base)3.72%

Home loan comparison rate4.10%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$768

Total repayments (approx)$230,676

Total interest (approx)$80,676

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $6,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)4.19%

Home loan comparison rate4.19%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$807

Total repayments (approx)$242,274

Total interest (approx)$92,274

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)4.44%

Home loan comparison rate4.44%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$828

Total repayments (approx)$248,595

Total interest (approx)$98,595

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Freedom Lend

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Reduce your interest payable on your home loan with a 100% offset facility when you make a deposit into your linked Orange Everyday bank account.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)3.98%

Home loan comparison rate4.49%

GO TO ING

Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,069

Total interest (approx)$87,069

Redraw facility No

Redraw fee n/a

Minimum redraw amount TBA

Offset facility 100% offset account

Extra repayments allowed? No

Extra repayment fees n/a

Extra repayments restrictions n/a

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO ING

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $299

Discharge fee $250

Regular or monthly fee $299 annually

GO TO ING

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO ING

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO ING

Comparison rate warning

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO ING

Hide info -

Know exactly what your repayments will be, and you can fix your rate for up to five years. There are no monthly, annual or transaction fees, and it's free to make additional repayments (less than $10,000 per settlement anniversary).

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.08%

Home loan comparison rate4.53%

GO TO ING

Repayments & Redraws

Monthly repayments (approx)$798

Total repayments (approx)$239,520

Total interest (approx)$89,520

Redraw facility No

Redraw fee n/a

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? No

Extra repayment fees n/a

Extra repayments restrictions n/a

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO ING

Home Loan Fees

Application fee $499

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $250

Regular or monthly fee $0

GO TO ING

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO ING

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO ING

Comparison rate warning

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO ING

Hide info -

Holiday Coast Credit Union's Fixed 'n' Easy Home Loan - 5 Years - P&I is a Fixed - 5 years home loan with rates from 4.91%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$100,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.79%

Home loan comparison rate4.91%

GO TO Holiday Coast Credit Union

Repayments & Redraws

Monthly repayments (approx)$858

Total repayments (approx)$257,604

Total interest (approx)$107,604

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Holiday Coast Credit Union

Home Loan Fees

Application fee $400

Legal fee $0

Valuation fee $250

Settlement fee $180

Discharge fee $195

Regular or monthly fee $8 monthly

GO TO Holiday Coast Credit Union

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Holiday Coast Credit Union

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO Holiday Coast Credit Union

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Holiday Coast Credit Union

Hide info -

Southern Cross Credit Union's Standard Home Loan Fixed - 5 Years is a Fixed - 5 years home loan with rates from 4.99%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$10,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.49%

Home loan comparison rate4.99%

GO TO Southern Cross Credit Union

Repayments & Redraws

Monthly repayments (approx)$832

Total repayments (approx)$249,870

Total interest (approx)$99,870

Redraw facility Yes

Redraw fee $25

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Southern Cross Credit Union

Home Loan Fees

Application fee $699

Legal fee $0

Valuation fee $300

Settlement fee $125

Discharge fee $300

Regular or monthly fee

GO TO Southern Cross Credit Union

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Southern Cross Credit Union

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO Southern Cross Credit Union

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO Southern Cross Credit Union

Hide info -

MyState offers a Fixed - 5 year home loan, with comparison rates from 5.08%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 year

Home loan interest rates (base)4.59%

Home loan comparison rate5.08%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$841

Total repayments (approx)$252,429

Total interest (approx)$102,429

Redraw facility No

Redraw fee N/A

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO MyState

Other

SponsoredNo

Data accurate as of29/05/2018

GO TO MyState

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

GO TO MyState

Hide info -

MyState offers a Fixed - 5 year home loan, with comparison rates from 5.16%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 year

Home loan interest rates (base)4.79%

Home loan comparison rate5.16%

GO TO MyState

Repayments & Redraws

Monthly repayments (approx)$858

Total repayments (approx)$257,589

Total interest (approx)$107,589

Redraw facility No

Redraw fee N/A

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO MyState

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO MyState

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO MyState

Other

SponsoredNo

Data accurate as of29/05/2018

GO TO MyState

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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MyState offers a Fixed - 5 year home loan, with comparison rates from 5.16%perannum

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 year

Home loan interest rates (base)4.79%

Home loan comparison rate5.16%

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Repayments & Redraws

Monthly repayments (approx)$858

Total repayments (approx)$257,589

Total interest (approx)$107,589

Redraw facility No

Redraw fee N/A

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

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Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

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Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

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Other

SponsoredNo

Data accurate as of29/05/2018

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Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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Australian Military Bank's Fixed Rate Home Loan - 5 Years - Owner Occupier - P&I is a Fixed - 5 years home loan with rates from 5.22%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$150,000

Maximum loan amount$100,000,000

Minimum loan term 2 years

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.99%

Home loan comparison rate5.22%

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Repayments & Redraws

Monthly repayments (approx)$876

Total repayments (approx)$262,803

Total interest (approx)$112,803

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

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Home Loan Fees

Application fee $500

Legal fee $264

Valuation fee $200

Settlement fee $0

Discharge fee $300

Regular or monthly fee

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Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

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Other

SponsoredNo

Data accurate as of5/01/2018

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Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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The Fixed Owner Occupied home loan is aimed at those looking for lock in their loan for greater budgeting and predictability. The Fixed account loan comes with options to make additional repayments of up to $20,000 per year. This loan is perfect for those that do not want to worry about their loan and to spend more time with their lives.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$50,000

Maximum loan amount$5,000,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Fixed

Home loan interest rates (base)3.99%

Home loan comparison rate5.22%

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Repayments & Redraws

Monthly repayments (approx)$790

Total repayments (approx)$237,279

Total interest (approx)$87,279

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $10,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

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Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

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Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

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Other

SponsoredNo

Data accurate as of3/7/2018

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Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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Know exactly what your repayments will be, and you can fix your rate for up to five years. There are no monthly, annual or transaction fees, and it's free to make additional repayments (less than $10,000 per settlement anniversary).

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.90%

Home loan comparison rate5.37%

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Repayments & Redraws

Monthly repayments (approx)$868

Total repayments (approx)$260,451

Total interest (approx)$110,451

Redraw facility No

Redraw fee n/a

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? No

Extra repayment fees n/a

Extra repayments restrictions n/a

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

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Home Loan Fees

Application fee $499

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $250

Regular or monthly fee $0

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Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

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Other

SponsoredNo

Data accurate as of3/7/2018

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Comparison rate warning

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example 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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The Rock offers a Fixed - 5 year home loan, with comparison rates from 5.42%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 year

Home loan interest rates (base)4.59%

Home loan comparison rate5.42%

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Repayments & Redraws

Monthly repayments (approx)$841

Total repayments (approx)$252,429

Total interest (approx)$102,429

Redraw facility No

Redraw fee N/A

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

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Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

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Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

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Other

SponsoredNo

Data accurate as of29/05/2018

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Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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ANZ's Breakfree Package 5 Year Fixed Rate - Investment is a Fixed - 5 years home loan with rates from 5.69%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)5.39%

Home loan comparison rate5.69%

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Repayments & Redraws

Monthly repayments (approx)$911

Total repayments (approx)$273,450

Total interest (approx)$123,450

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

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Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $160

Regular or monthly fee $395 annually

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Loan Availability

InvestmentYes

First home buyersNo

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

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Other

SponsoredNo

Data accurate as of5/01/2018

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Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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Holiday Coast Credit Union's Fixed 'n' Easy Investment Loan - 5 Years - P&I is a Fixed - 5 years home loan with rates from 5.97%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$100,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)5.49%

Home loan comparison rate5.97%

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Repayments & Redraws

Monthly repayments (approx)$920

Total repayments (approx)$276,084

Total interest (approx)$126,084

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

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Home Loan Fees

Application fee $400

Legal fee $0

Valuation fee $250

Settlement fee $180

Discharge fee $195

Regular or monthly fee $8 monthly

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Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Holiday Coast Credit Union

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO Holiday Coast Credit Union

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

How to compare 5 year fixed rate home loans

Home loans are as variable as the prospective homebuyers. There are a multitude of loans from different lending institutions. It’s worthwhile to research and compare your home loan options before making such a long-term commitment. Small differences in interest rates, terms or fees can significantly impact the overall cost of the owning a home.

Come prepared

Before you begin to compare 5 year fixed rate home loans, it’s a good idea to come prepared with an understanding of what type of mortgage you require and for what purpose.

  • How much are you looking to spend on a property?
  • How big is your deposit?
  • Is it an investment property or will you live in the property?
  • Are you after an interest only or principal and interest home loan?
  • What features do you want with your home loan?

Additional types of 5 year fixed rate home loans and features to consider

Consider the following when you research your options:

  • Introductory home loans. These can be a great option for first-time home buyers because these loans offer a lower interest rate for the first year or two, lower upfront fees and charges helping you reduce the overall financial strain for the first few years.
  • Interest only loans. Interest only loans are generally suited best toward investors. Interest only loans only require that the borrower pay the interest accrued and not the principal of the loan. This allows investors to purchase a property and make a minimum amount of payments on it.
  • Line of credit/home equity loans. These loans allow you to borrow against the equity of the property to pay for renovations, home improvements, purchasing a vehicle and more. Lines of credit are also a great choice for those who are building their own home to draw funds to pay for the construction.
  • Self-Managed Super Fund (SMSF) loan. A SMSF is a super fund where its members can direct the investment strategy (different than a standard super fund). In 2007, superannuation rules changed to allow Australians to use their super funds to borrow and purchase property. Many financial institutions now offer loans specifically for this situation.
  • Offset account. An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you’d only be charged interest on the difference.
  • Extra payments. Many home loans allow you to make additional payments. However, some loans and loan types limit the number of additional repayments.
  • Repayment holiday. This allows you to take some time off from paying the loan in the event of an unforeseen circumstance (like injury or illness). Some lenders only allow this if the loan is paid ahead of schedule.
  • Redraw facility. Withdraw extra payments made if your financial situation changes and you need additional money.
  • Rate lock. Typically, only offered for fixed rate loans, it ‘locks’ the price in (usually for a fee), so that in the time it takes for the loan to be approved, the rate will not change.
  • Portability. In the future, if you decide to sell your house and purchase a new one, you can transfer the existing loan to the new house to avoid additional fees on a new loan.

How to find the lowest home loan rates on BestFind

Use the filter in our home loan comparison section to adjust your criteria and narrow down your options, until you find a suitable home loan for your situation.

You can sort and compare the products by either the comparison rate or by the approximate monthly repayments, to find the cheapest home loan for you.

What is a good home loan interest rate?

Interest rates lower than 4% are generally considered a good interest rates.

However, it is important to keep in mind that different features and loan purpose types can significantly impact the interest rates.

Moreover, many of the lowest rate mortgages may have limited features and are only available to customers that meet the lender’s financial requirements.

Calculate your mortgage repayments

The total cost of the loan includes not only the amount of money borrowed, but also interest accrued over the life of the loan as well as any additional fees and charges.

There are three types of fees you will encounter when applying for a mortgage:

  1. Upfront fees. These fees include application fees, settlement fees, valuation fees, legal fees, Lenders Mortgage Insurance (LMI), and stamp duty.
  2. Ongoing fees. Repayments, annual fees, monthly fees, redraw fees, and offset account fees.
  3. Exit fees. Title discharge fees and break costs.

This is a general overview of some of the fees you could incur during the home loan process. Each loan will differ so it is important to compare and calculate these costs to see the full cost of a home loan.

Other types of loans to compare

Your home loan will fall into one of these categories, based on why you are buying the house.

Home loans also come in different interest rate structures (variable rate loans, fixed, and split rates).

Who is eligible for 5 year fixed rate home loans?

If you’re interested in securing a home loan but  unsure you’re eligible, consider speaking with a mortgage broker. Brokers earn a commission from the lending institution when you take out a loan, they therefore work hard to ensuring you get a loan that’s appropriate for you.

If you find yourself in one or more of the following situations, you are less likely eligible to secure a home loan:

  • You have impaired credit
  • You are on a low income
  • You are on a pension
  • You are self-employed
  • You are a casual or seasonal worker
  • You have a temporary visa
  • You do not have a down payment (but you have a pre-existing home with equity available)
  • You are on maternity leave
  • You are on a single income with a child or children
  • You recently transferred to a new job

You could still potentially get a home loan if you fall into one or more of the above criteria. However, your options may be limited. You may need to rely on getting a cheaper property, saving up a larger deposit, using equity in an existing home or taking out lender mortgage insurance (LMI).

Do I need pre-approval?

Pre-approval can make the home buying process smoother and easier. Essentially, pre-approval is when your home loan lender “conditionally” pre-approves you for a loan up to a certain amount once looking at your finances, employment, and other outstanding debts.

Prospective home buyers with pre-approval will be able to negotiate harder because they will be considered a preferred buyer. It will offer the sellers increased confidence that you’re serious and have the ability to afford the house. Pre-approval will also speed up the documentation process.

Understanding home loan interest rates

You will notice that banks advertise two types of interest rates, an “advertised rate” and a “comparison rate”.

When comparing 5 year fixed rate home loans, you should focus your attentions towards the “comparison rate” as it takes into account your upfront and regular fees, and more accurately demonstrates the “true” cost per annum.

Home loans are offered with three interest rate types: variable, fixed, and split.

  • Variable interest rates. Borrowers can benefit from this type of interest rate if the interest rates are cut during the life of the loan. However, mortgagees can also end up paying more (if interest rates raise) and experience a lot of variance in their monthly repayment.
  • Fixed interest rates are set at a fixed rate for a stated period (usually one to five years). While a borrower with this type of interest rate may not enjoy the savings if interest rates are cut, they will also not be subject to interest rate hikes throughout the fixed term. This interest rate structure is good for setting a budget, because the monthly payments will remain consistent.
  • Split interest rates allow you to enjoy some of the benefits of both fixed and variable rates loans. Some lenders charge a fee for each split, while others do not charge a fee.