Fixed rate home loan Perth
Quantum Finance compares fixed rate home loans across 40+ lenders in Perth: we price the fixed term, explain the break costs and repayment caps that come with it, and plan what happens when the fixed period ends.
- A locked interest rate, and a repayment you can budget around.
- Break costs and extra repayment caps explained before you fix.
- Fixed pricing compared across 40+ lenders, not one bank's rate card.
- The expiry diarised, so the revert rate is not a surprise.
- Years broking
- 21+Years broking
- Loans settled
- $1B+Loans settled
- Credit licence
- ACL 389083Credit licence
- Lenders compared
- 40+Lenders compared
Our awards and recognition
Awarded by the people who see every broker’s numbers
Diamond Club
2026
Money Quest Group
Diamond Club
2025
Money Quest Group
Diamond Club
2024
Money Quest Group
Mortgage Broker of the Year
2023/24 — National, highest dollar volume settled
Southern Cross Broker Network
Excellence in Finance, Gold
2021
PLAN Australia
Excellence in Finance, Gold
2020
PLAN Australia
Hall of Fame
Valued partner, 15 years
PLAN Australia
Elite Broker
2021
Broker Value Proposition
Premium Broker
ANZ
Individual Excellence Award
2016
Specialist Finance Group
Sales Excellence Award
PLAN Australia
Sales Master Award
PLAN Australia
Top 100 Brokers
Four times
Australian Broker
What our fixed rate service does
The work we do before and after you fixA fixed rate home loan locks your interest rate, and therefore your repayment, for an agreed term. Fixing is a trade rather than a saving, so the work is pricing the options across the panel and making sure you know exactly what the certainty costs you.
Most residential loans are paid for by the lender through commission rather than by you. Where a fee would apply, we tell you before you apply, in writing.
Nobody at this business can tell you where rates are going, and anyone who says otherwise is guessing. What we can do is match the term to what you know about your own circumstances.
We compare fixed pricing across 40+ lenders
Fixed pricing is set independently by each lender and it does not track the variable market in step. Two lenders can sit close on variable and a long way apart on a fixed term. Comparing the panel is the only way to see that, because no single rate card shows it.
We explain what fixing takes away
Extra repayments are usually capped on a fixed loan, offset is not offered by every lender on a fixed portion, and redraw can be restricted. Those limits are the actual cost of certainty. Borrowers who intend to pay the loan down quickly often find fixing works against them.
We put the break costs in front of you before you sign
Exiting a fixed loan early triggers a break cost, and it can be substantial depending on how rates have moved since you fixed. Selling the house, refinancing, or paying a lump sum in can all trigger it. It is calculated by the lender at the time, so the point is knowing it exists before you fix.
We check the fixed term against your plans, not the forecast
The right fixed term is the one that matches what you know about your own life: a job change, a baby, a sale, a renovation. Nobody can tell you where rates go. We match the term to your circumstances rather than to a prediction.
We handle the rate lock
A fixed rate can move between application and settlement, and most lenders offer a rate lock for a fee. Whether it is worth paying depends on the size of the loan and how far out settlement is. We tell you what your lender charges and whether it is worth it in your case.
We diarise the expiry rather than leaving it to you
A fixed loan that reverts unnoticed puts a household on whatever rate the lender applies at the time. We book the review before the term ends, so the revert is a decision rather than something that happens to you.
Work out your fixed repayment
See what the repayment locks at before you commit to itFixing is a decision about a monthly figure rather than about a rate. Running the repayment at the rate you are being offered, and again at a higher one, shows you what you are buying protection from.
Work out your repayments
What you need to borrow, not the purchase price.
An example figure. Put your own rate in — we do not quote rates here.
Estimated monthly repayment
$3,597.30
- Total interest over the term
- $695,029
- Total repaid
- $1,295,029
- Repayment if the rate rose to 8.00%Roughly the buffer a lender applies when it assesses you.
- $4,402.59
This is an estimate. It assumes the rate stays where you put it for the whole term and it does not include fees, lenders mortgage insurance, offset balances or extra repayments. Your real repayment depends on the lender and on approval.
Book a 15-min chatEach tool has a page of its own explaining every figure it uses: home loan repayment calculator.
Who fixed rate home loans suit
The households we fix loans forFixing suits a household that values a predictable repayment more than the flexibility to pay the loan down early. These are the situations that arrive most often.
Households in Perth on a tight budget who need the repayment to hold still
First home buyers who want their first years of ownership to be predictable
Borrowers whose income is fixed and cannot absorb a rate rise
Investors who want a known holding cost while they build a portfolio
Families going down to one income for a period and planning around it
Borrowers coming off an existing fixed term who need the revert dealt with
How our home loan process works
Five steps, from the first conversation to settlementFixing is a decision made inside the same process every loan we write goes through. Here is the whole thing, start to finish, with no surprises kept back for later.
Start an application
You send us the basics and we work out what you could borrow and which lenders will look favourably at your situation.
Read this step in full: Start an applicationWhat you need
Income, debts, deposit
Get pre-approved
We put your file to the lender that fits and bring back a pre-approval in writing, subject to lender approval and your circumstances.
Read this step in full: Get pre-approvedWhat we do
Match the lender to your file
Get officially approved
Once your offer is accepted, the lender orders its valuation and issues formal approval.
Read this step in full: Get officially approvedWhat we do
Chase the lender, so you do not have to
Prepare for settlement
We go through the loan documents with you before you sign anything, then coordinate the lender and your settlement agent.
Read this step in full: Prepare for settlementWhat you need
Your questions, asked early
Stay up to date
After settlement we keep the loan under review as rates move and your circumstances change.
Read this step in full: Stay up to dateWhat we do
Review it, and tell you first
Step 1 of 5 · Start an application
About our independent mortgage brokers
The brokers who price your fixed rateIndependent means no franchise above us and no lender owning a share of the business. Nobody upstairs sets a monthly target, so we are not steering you into a fixed term to hit one. Your bank publishes one fixed rate card; we compare 40+ lenders.
Gavin Harrigan has been broking from West Leederville since 2005. Today it runs on a small team, Gavin Harrigan, Justin Richardson and Xavier Prescott, each with their qualifications on the page. You deal with the person who writes your loan, before settlement and after it.
The work runs from a first home loan, through refinancing and investment lending, out to construction, small developments and commercial property. Same broker, whichever end of that you are at.
- VerifiedBroking since 2005
- VerifiedOver $1 billion in loans settled
- VerifiedAustralian Credit Licence 389083
- VerifiedMoneyQuest accredited
- VerifiedMember of the Finance Brokers Association of Australia (FBAA)
- Verified40+ lenders on the panel
Fifteen minutes is usually enough to tell you where you stand. No cost, no obligation, and any lending is subject to approval and your circumstances.
Why choose us for a fixed rate loan
Nobody upstairs benefits from you fixingEvery point below is a consequence of how this business is owned, not a slogan about service.
- Included
No franchise, no head office quota
We do not pay a franchise fee, so nobody upstairs sets a monthly target for us to hit. That removes the main reason a broker recommends the wrong loan.
- Included
No lender owns a share of us
The banks have no stake in this business and no claim on where files go. Your bank has one loan to sell you. We do not.
- Included
40+ lenders, one shortlist
We compare 40+ bank and non-bank lenders, then explain why the shortlist looks the way it does. Policy differences decide more applications than rate does.
- Included
We will tell you when the answer is no
If refinancing does not actually save you money, we say so and you leave the loan where it is. A wrong loan costs more than the fee it earns.
- Included
The same broker after settlement
You keep dealing with the person who wrote the loan. We review it as rates and your circumstances change, not once and then never again.
What our clients say
In their words, not oursReviews left by people we have settled home loans for, pulled straight from the platform they were written on.
Our lender panel for fixed rates
Fixed pricing is set lender by lender. We compare 40+Major banks, second-tier banks, and non-bank lenders who price a fixed term differently to the majors. MoneyQuest gives us access to the panel. 21+ years of writing loans on it tells us where to look first.
A selection of the lenders we are accredited with. Ask us who else is on the panel for your situation.
Our home loan guides
Read one before you lock a ratePlain-English answers on borrowing capacity, pre-approval and what a broker does that a branch does not. Each one carries a broker's name.
Borrowing power
How much can I borrow?
Income less commitments, tested at a rate higher than the one you would pay.
Read it: How much can I borrow?
First home buyers
The First Home Owner Grant in WA
Who qualifies, what it is worth, and every figure dated to its WA Government source.
Read it: The First Home Owner Grant in WA
Approvals
Home loan pre-approval, explained
What a lender is actually committing to, and what can still undo it.
Read it: Home loan pre-approval, explained
Buying a home
How to buy a house in Australia
The whole sequence, in the order it happens, with the finance in the right place.
Read it: How to buy a house in Australia
Meet our Perth mortgage brokers
You get a broker, not a call centreThree people, all named, all reachable. The person who fixes your rate is the person who calls you before the term ends.
Gavin Harrigan
Managing Director
Broking since 2005, four-time Top 100 broker and a PLAN Australia Hall of Fame member.
- Bachelor of Commerce, Applied Finance and Commercial Law — Curtin University
- Diploma of Finance and Mortgage Broking Management — AAMC Training Group
- PLAN Australia Hall of Fame member
- Elite Broker status
- Top 100 Brokers, four times
Justin Richardson
Loan Consultant
Business and law background, and a habit of making the process feel simple.
- Bachelor of Commerce, Business Law and Marketing — Curtin University
- Bachelor of Laws (in progress) — Murdoch University
Xavier Prescott
Loan Consultant
Fresh qualifications, a competitor's discipline, and a lot of patience.
- Diploma of Finance and Mortgage Broking Management
Common questions about fixed rate home loans
Should I fix my home loan rate?
It depends on whether you value certainty or flexibility more. Fixing protects your repayment from rises but limits extra repayments and carries break costs if you exit early. Many borrowers split the loan and take some of each. We talk it through against your actual budget rather than a forecast.
What are break costs on a fixed rate home loan?
A break cost is what a lender charges if you exit a fixed term early, and it can be substantial depending on how rates have moved since you fixed. Selling, refinancing or paying a large lump sum in can all trigger it. The lender calculates the figure at the time, so ask before you act.
Can I make extra repayments on a fixed rate loan?
Usually only up to a capped amount each year, and the cap is set by the lender. Exceeding it can trigger a break cost. If paying the loan down quickly matters to you, that restriction is the real cost of fixing and it is worth weighing before you commit.
Can I have an offset account on a fixed rate loan?
Some lenders offer an offset against a fixed portion and many do not, so it depends entirely on which lender writes your loan. This is one of the more common reasons borrowers split their loan, keeping a variable portion with the offset attached. We check the policy before recommending a lender.
What happens when my fixed rate ends?
The loan reverts to a variable rate set by the lender, and that revert rate is the loan you actually end up with. It is not automatically competitive, which is why the expiry is worth diarising. We book the review before the term ends so the revert is a decision rather than something that happens to you.
Is a rate lock worth paying for?
A rate lock holds the fixed rate you have been quoted between application and settlement, and most lenders charge a fee for it. Whether it is worth paying depends on the size of your loan and how far out settlement is. We tell you what your lender charges and whether it stacks up in your case.
Can I fix only part of my loan?
Yes, and it is a common approach. Splitting the loan means one portion is fixed and one stays variable, so you get certainty on part of the repayment and keep the offset and extra repayments on the rest. It is a way of not having to pick one side of the argument.
Related home loans we arrange
What borrowers usually compare against fixingMost files touch more than one of these. If yours does, it is the same broker and the same conversation.
Split Rate Home Loans
Certainty on one portion, flexibility on the other, with the ratio set to suit you.
Learn moreabout Split Rate Home Loans
Standard Variable Home Loans
The full-feature variable loan, with offset and redraw and a rate that moves.
Learn moreabout Standard Variable Home Loans
Interest Only Home Loans
Lower repayments for a defined term, with the reversion planned before you start.
Learn moreabout Interest Only Home Loans
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Talk to us about fixing your home loanFour questions and you are done. A broker reads it, prices the fixed options across the panel, and rings you back on the number you give us.
Would rather just talk?
Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113