Fixed rate home loans

Prime home loans for full doc borrowers with a good credit history.

With fixed rate home loans the interest rate on your loan is fixed for a specified number of years. Repayments remain the same, protecting you in that period against interest rate increases. But it also means you don’t benefit from rate drops should they occur. At the end of the period, you can choose to fix the rate again.

As mortgage managers Direct Credit Home Loans enjoys long term relationships with clients. We will be there to offer you guidance on all the benefits and features of the different Loan products and whether they are right for you.

Frequently asked questions

Can I split this loan?

One loan allows up to four loan accounts and comprises a mix of loan products. Very useful for borrowers wanting to distinguish between loan purposes and receive assistance with income tax preparation.

How does the fixed rate work?

Fixed for 1, 2, 3, 4 or 5 years, reverting to a variable rate thereafter.

Can I reduce the principal?

Yes, however if the loan is paid out in full during a fixed rate period, break costs may apply. Maximum extra payments allowed during the fixed rate period is $20,000

Can I redraw on this loan?

Not during a fixed rate period.

Can I substitute a new property as security for the loan?

The security property can be substituted if required. Note there may be restrictions if loan size needs to be altered, and break costs if the fixed rate has to be broken or limits reduced.

Steps to your Fixed rate home loans


Am I eligible for a loan?

If you are a PAYG earner or self-employed with full financials, have a sound credit history and have at least 5% deposit for a purchase or equity in existing property – you may qualify.


How much can I borrow?

See how much you can borrow using our simple borrowing power calculator, or call one of our friendly team to get a detailed borrowing capacity over the phone today.


Book a consultation or apply online

Call us on Freecall 1800 000 800 for a no obligation chat or, if you’re ready to apply get started now.

Start your application
1800 000 800 Australian Credit License Number 392727