Fixed Rate Home Loans

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Fixed Rate Home Loans

At Pioneer Credit Connect, our team aims to deliver the right financial solution for customers, whether the goal is repayment flexibility, repayment stability or something unique to them. Together, we can help you achieve your financial goals.

Some customers prefer to split large components of their home loan between fixed rates and variable rates, while other home buyers enjoy the security of fixed rate only loans. Fixing your rate allows customers to know what their repayments are for the duration of the loan. Securing a fixed rate can secure a better rate over the long term and can also assist with savings and budgeting. Over the years, this type of loan emerges and disappears from the market, so be sure to get in touch to learn more.

What is a Fixed Rate Home Loan?

A loan with a fixed interest rate for a defined period is called a fixed rate home loan. This fixed period is usually between 1 and 5 years and can serve as a great barrier against rising interest rates. The fixed rate means fixed repayments, and in turn can make budgeting more manageable over the term of the loan.



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Why is a Fixed Rate Home Loan right for you?

Fixing the rate on your home loan is best suited to properties that you intend to live in for 10+ years, or investment properties that you intend to own for a longer period of time. This is due to the fees associated with discharging during the fixed period; often the result of your lender recouping the fees that they would originally receive gradually from you over the fixed term.

Another reason that fixed rate loans can be popular is the safeguard against rising interest rates that would in turn increase your monthly repayments. While you are protected from increasing interest rates, you will also be ineligible to benefit from rate drops that could save you money during these periods.

The security for you as the customer is knowing exactly what you owe each month with no hidden surprises, which may suit you perfectly.

Benefits of a Fixed Rate Home Loan:

  • Secure a competitive rate
  • Manage your budget and savings better
  • Know your financial position from month to month
  • Peace of mind that your repayments won't fluctuate

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  • customer experienceJohn R, VIC
    I'd like to thank you for all the help you've given me. I know that I made it difficult for you at times but you handled it all very professionally. It was very helpful that you were so knowledgeable about every aspect of this process, including all the legal procedures.
  • customer experienceThe Conway Family, WA
    We would love to say a massive thank you for all the help and support you have provided in the purchasing of our lovely home. Buying a house is apparently one of the most stressful things you can do in a lifetime; well not in this lifetime thanks to you! We can honestly say that there was not one minute of stress and your efficiency, expertise and advice were second to none.

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