--- title: "Link Standard Fixed Home Loan — LJ Hooker Home Loans" description: "Home Loans from LJ Hooker Home Loans. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/lj-hooker-home-loans-18b7e2/products/link-standard-fixed source: "CDR Compare" language: en-AU last_updated: 2026-07-27T23:27:26.649591Z --- # Link Standard Fixed Home Loan — LJ Hooker Home Loans > Home Loans from LJ Hooker Home Loans. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans · LJH** LJ Hooker's Link Standard Fixed Home Loan provides certainty with fixed rate options ranging from 1 to 5 years. Borrow up to $2,000,000 (up to 90% LVR) and make additional repayments of up to $10,000 per year, with principal and interest repayments and no ongoing fees. ## At a glance - **From (owner occupied):** 6.74% (6.64% comparison) ## Interest rates ### Owner occupied — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 2 years | 6.74% | 6.64% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 3 years | 6.74% | 6.6% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 1 year | 6.79% | 6.72% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 4 years | 6.99% | 6.77% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 5 years | 6.99% | 6.83% | Loan-to-Value Ratio (LVR) ≤90% | ### Owner occupied — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 3 years | 7.14% | 6.77% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 2 years | 7.14% | 6.72% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 1 year | 7.19% | 6.76% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 4 years | 7.39% | 6.91% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 5 years | 7.39% | 6.99% | Loan-to-Value Ratio (LVR) ≤80% | ### Investment — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 2 years | 6.94% | 6.84% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 3 years | 6.94% | 6.86% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 1 year | 6.99% | 6.92% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 4 years | 7.19% | 6.97% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 5 years | 7.19% | 7.03% | Loan-to-Value Ratio (LVR) ≤90% | ### Investment — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 2 years | 7.34% | 6.92% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 3 years | 7.34% | 6.97% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 1 year | 7.39% | 6.96% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 4 years | 7.59% | 7.11% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 5 years | 7.59% | 7.2% | Loan-to-Value Ratio (LVR) ≤80% | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Documentation Fee — A fee charged for preparing and processing the loan documentation required for settlement. | Event | $300.00 | | Discharge Documentation Fee — A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 | | Valuation Fee — A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount. | Event | From $221.00 | | Application Fee — No application fee is charged when setting up the loan. | Upfront | $0.00 | | Settlement Fee — A one-time fee charged at the time of loan settlement to cover processing and completion of the mortgage and funding of the loan. | Event | $300.00 | | Discharge Administration Fee — A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 | | Break Cost Administration Fee — Fixed Break Cost Administration Fee charged when a borrower breaks their fixed rate period, covering the administration of processing the break request, charged in addition to the Fixed Rate Break Cost. | Event | $150.00 | | Rate Lock Fee — Fixed Rate Lock Fee allows borrowers to lock in the fixed rate for 90 days, protecting against potential rate increases until settlement; compulsory for 5-year fixed terms and optional for other fixed terms. | Upfront | $350.00 | ## Features - **Extra repayments** (Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Limited to a maximum of $10,000 per year during the fixed term.) ## Eligibility - **Minimum age** — 18 years (Applicants must be at least 18 years old to apply for this loan.) - **Residency status** — Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia. ## Constraints - **The loan term must be at least 15 years.** — P15Y - **The loan term cannot exceed 30 years.** — P30Y - **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.) - **Maximum limit** — $3,000,000.00 (The maximum application amount available under this product is $3,000,000.) ## Data provenance - Published by LJ Hooker Home Loans under the Consumer Data Right - Product ID: `link-standard-fixed` - Last updated by the provider: 27 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/lj-hooker-home-loans-18b7e2/link-standard-fixed - Provider page: https://www.cdrcompare.au/brands/lj-hooker-home-loans-18b7e2 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/lj-hooker-home-loans-18b7e2/products/link-standard-fixed) — product data published by Australian data holders under the Consumer Data Right. 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