Fixed-rate loans

Fixed-rate loans give you stable loan expenses and make it easier to plan your personal finances.

Fixed-rate loans:

By entering into a fixed-rate contract for a given period, you can guard against future interest rate increases. On the other hand, you will not be able to take advantage of a possible interest rate reductions during the contract period.

If you buy a new house during the fixed-rate period, you can use the same loan for the new house.

You can choose a fixed interest rate for the whole or parts of your home mortgage.

Suitable if you:
  • Prefer to know the exact amount you have to pay each month on your loan
  • Want  to minimise the effects of interest rate fluctuations on your monthly mortgage payments
  • Know that significant interest rate increases would negatively affect your daily finances
Not suitable if you:
  • Wish to have a flexible home mortgage which can be increased/repaid when it suits you
  • Have a low debt ratio and are less affected by rising home mortgage rates


You can choose a fixed-rate period of 3, 5 or 10 years.

Prices of fixed-rate loans

Try our fixed-rate calculator

If you prefer a fixed rate on you home mortgage, please contact us on 915 04800