--- title: "Fixed Bold Home Loan — loans.com.au" description: "Home Loans from loans.com.au. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/loans-com-au/products/lca-bold-fixed source: "CDR Compare" language: en-AU last_updated: 2026-08-26T00:46:21.676799Z --- # Fixed Bold Home Loan — loans.com.au > Home Loans from loans.com.au. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans · LCA** loans.com.au's Fixed Bold 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 or interest only repayments and no ongoing fees. ## At a glance - **From (owner occupied):** 6.59% (6.23% comparison) ## Apply Applications are handled by the provider: [Apply at loans.com.au](https://www.loans.com.au/apply) ## Interest rates ### Owner occupied — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 3 years | 6.59% | 6.23% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 2 years | 6.59% | 6.19% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 1 year | 6.64% | 6.14% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 4 years | 6.84% | 6.37% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 5 years | 6.84% | 6.46% | Loan-to-Value Ratio (LVR) ≤90% | ### Owner occupied — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 2 years | 6.9% | 6.26% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 3 years | 6.99% | 6.34% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 1 year | 7.04% | 6.18% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 4 years | 7.24% | 6.51% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 5 years | 7.24% | 6.62% | Loan-to-Value Ratio (LVR) ≤80% | ### Investment — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 2 years | 6.79% | 6.47% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 3 years | 6.79% | 6.51% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 1 year | 6.84% | 6.43% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 4 years | 7.04% | 6.64% | Loan-to-Value Ratio (LVR) ≤90% | | Fixed · 5 years | 7.04% | 6.72% | Loan-to-Value Ratio (LVR) ≤90% | ### Investment — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 2 years | 7.19% | 6.54% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 3 years | 7.19% | 6.62% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 1 year | 7.24% | 6.47% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 4 years | 7.44% | 6.78% | Loan-to-Value Ratio (LVR) ≤80% | | Fixed · 5 years | 7.44% | 6.88% | Loan-to-Value Ratio (LVR) ≤80% | ## Fees | Fee | Type | Amount | | --- | --- | --- | | 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 | | Application Fee — No application fee is charged when setting up the loan | Upfront | $0.00 | | Security Assessment 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. | Upfront | From $230.00 | | 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 | | 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 | | 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 cannot exceed 30 years.** — P30Y - **The loan term must be at least 15 years.** — P15Y - **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.) ## More information from loans.com.au - [Overview](https://www.loans.com.au/home-loans/) ## Data provenance - Published by loans.com.au under the Consumer Data Right - Product ID: `lca-bold-fixed` - Last updated by the provider: 26 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/loans-com-au/lca-bold-fixed - Provider page: https://www.cdrcompare.au/brands/loans-com-au --- Source: [CDR Compare](https://www.cdrcompare.au/brands/loans-com-au/products/lca-bold-fixed) — product data published by Australian data holders under the Consumer Data Right. 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