Compare 3 Year Fixed Rate Home Loans

Compare our lowest 3 year fixed rate home loan rates & repayments. Today's top deals from 30+ banks and specialty lenders.


These home loans let you lock in an interest rate so that you have set monthly repayments for the first three years of the Loan.

Compare All Fixed Rate Home Loans

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Lender
Loan Details
Interest
Comparison
Repayments
  1. Fixed 3 Year COMBO

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.74%
      p.a. fixed
    • 3.89%
      p.a. Comparison
    • $1,808
      per month*
  2. Home Package Plus SPECIAL 3 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.64%
      p.a. fixed
    • 4.03%
      p.a. Comparison
    • $1,810
      per month*
  3. Flexible Home Loan 3 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.84%
      p.a. fixed
    • 4.68%
      p.a. Comparison
    • $1,817
      per month*
  4. Homeloans Ultra Plus Fixed 3 Year 50% Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.79%
      p.a. fixed
    • 3.81%
      p.a. Comparison
    • $1,817
      per month*
  5. Flexible Home Loan 3 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.84%
      p.a. fixed
    • 4.91%
      p.a. Comparison
    • $1,817
      per month*
  6. Fixed 4 Year COMBO

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.84%
      p.a. fixed
    • 3.91%
      p.a. Comparison
    • $1,827
      per month*
  7. Fixed 3 Year COMBO

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.86%
      p.a. fixed
    • 4.12%
      p.a. Comparison
    • $1,830
      per month*
  8. Complete Alliance Option 3 Yr Fixed COMBO

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.88%
      p.a. fixed
    • 4.00%
      p.a. Comparison
    • $1,834
      per month*
  9. NAB Home Plus Standard 3 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. fixed
    • 4.25%
      p.a. Comparison
    • $1,836
      per month*
  10. Homeloans Ultra Plus Fixed 3 Year 50% Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.89%
      p.a. fixed
    • 4.05%
      p.a. Comparison
    • $1,836
      per month*
  11. Pinnacle 3 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.94%
      p.a. fixed
    • 4.60%
      p.a. Comparison
    • $1,836
      per month*
  12. NAB Home Plus Standard 3 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.89%
      p.a. fixed
    • 4.47%
      p.a. Comparison
    • $1,836
      per month*
  13. NAB Home Plus Standard 3 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.89%
      p.a. fixed
    • 4.47%
      p.a. Comparison
    • $1,836
      per month*
  14. Fixed 3 Year

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. fixed
    • 3.92%
      p.a. Comparison
    • $1,836
      per month*
  15. NAB Home Plus Standard 3 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. fixed
    • 4.25%
      p.a. Comparison
    • $1,836
      per month*
  16. Homeloans Ultra Plus Fixed 3 Year 50% Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.89%
      p.a. fixed
    • 3.97%
      p.a. Comparison
    • $1,836
      per month*
  17. NAB Home Plus Standard 3 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.89%
      p.a. fixed
    • 4.31%
      p.a. Comparison
    • $1,836
      per month*
  18. NAB Home Plus Standard 3 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.89%
      p.a. fixed
    • 4.31%
      p.a. Comparison
    • $1,836
      per month*
  19. Fixed Rate Home Loan F290F3 3 year 50% Fixed 80% 90%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.96%
      p.a. fixed
    • 4.60%
      p.a. Comparison
    • $1,840
      per month*
  20. Orange Advantage Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.89%
      p.a. fixed
    • 4.56%
      p.a. Comparison
    • $1,843
      per month*
  21. Orange Advantage Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. fixed
    • 3.86%
      p.a. Comparison
    • $1,843
      per month*
  22. Orange Advantage Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.89%
      p.a. fixed
    • 3.96%
      p.a. Comparison
    • $1,843
      per month*
  23. Homeloans Optima 5 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.98%
      p.a. fixed
    • 3.88%
      p.a. Comparison
    • $1,844
      per month*
  24. Homeloans Optima 3 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.98%
      p.a. fixed
    • 4.04%
      p.a. Comparison
    • $1,844
      per month*
  25. Homeloans Optima 3 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.98%
      p.a. fixed
    • 3.86%
      p.a. Comparison
    • $1,844
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided