Fixed Bold Home Loan
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.
- From (owner occupied)
- 6.64%
- 6.23% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 6.64% | 6.23% | Loan-to-Value Ratio (LVR) |
| Fixed · 2 years | 6.74% | 6.3% | Loan-to-Value Ratio (LVR) |
| Fixed · 3 years | 6.84% | 6.38% | Loan-to-Value Ratio (LVR) |
| Fixed · 4 years | 7.14% | 6.55% | Loan-to-Value Ratio (LVR) |
| Fixed · 5 years | 7.24% | 6.69% | Loan-to-Value Ratio (LVR) |
Owner occupied — Interest only
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. |
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 yearsApplicants 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
- Maximum limit — $2,000,000.00The maximum application amount available under this product is $2,000,000.
- Minimum limit — $50,000.00The minimum application amount that can be borrowed is $50,000.
More Information
Published by loans.com.au under the Consumer Data Right · Last updated 1 July 2026 · Product ID lca-bold-fixed