Fixed-rate home loans offer stability and predictability, with a fixed interest rate for a set period. At Intuitive Finance, we help you secure the best fixed-rate loan to suit your financial needs and goals, providing peace of mind with consistent repayments.
What are Fixed-Rate Home Loans?
A fixed-rate home loan is a type of mortgage where the interest rate remains the same for a predetermined period,
usually ranging from one to five years. This stability allows you to plan your finances with confidence, knowing that your
repayments will not change regardless of fluctuations in the market interest rates. Fixed-rate home loans are ideal for
borrowers who prefer the certainty of fixed repayments and protection against interest rate increases.
ADVANTAGES
- Predictable Repayments: Your repayments remain the same throughout the fixed-rate period, making it easier to budget.
- Protection from Rate Increases: Shield yourself from potential interest rate hikes during the fixed term.
- Financial Stability: Enjoy peace of mind with stable and predictable financial planning.
DISADVANTAGES
- Limited Flexibility: Fewer options for additional repayments and redraw facilities compared to variable-rate loans.
- Break Costs: Potentially high fees if you need to break the loan before the end of the fixed term.
- Missed Rate Drops: If market rates fall, you won’t benefit from lower interest rates during the fixed period.
How to Obtain a Guarantor Home Loan with Intuitive Finance
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
Find Out if You’re Eligible for a Guarantor Loan
If you’re considering a guarantor loan, our experienced mortgage brokers will guide you through the steps. In a quick initial consultation, we’ll assess your situation, determine your eligibility, and show you the next steps to take. Book your consultation today via the button below.
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Real Feedback from Real Clients
Buying property is one of the most stressful things you’ll ever do, and I was dreading it!
However Natasha, Melissa, Clarise, Andrew and Bonnie were all amazing at helping me through the application for finance. They all provided exceptional care, a wealth of knowledge and always got back to me promptly with answers to all my questions 😄
The whole team had a great ability to put me at ease throughout the whole process! I can’t thank you all enough and I’m so happy in my new home!
I would wholeheartedly recommend the Intuitive finance team 100% as the finance brokers for anyone needing help with financing!
Thanks again so much, you’ve helped me get to the place I wanted to be!
We had a complex situation with multiple properties, and Craig took the time to understand our needs and worked tirelessly to secure the best possible deals. We refinanced three of our properties, and the process was seamless thanks to Craig's guidance.
Their communication was outstanding, keeping us informed every step of the way. What really stood out was their willingness to go above and beyond to ensure our financial goals were met. Their professionalism, knowledge, and passion for their work are a rare find in the finance industry.
We can't recommend Craig and the team at Intuitive Finance highly enough. If you're looking for a finance broker who will truly look after your interests, look no further.
Thanks Michael & Alana
What sets them apart is their exceptional communication, organization, experience, and teamwork. They operate like a well-oiled machine, ensuring everything runs smoothly and efficiently. Despite being based in Perth, working with Lachlan and Craig in Melbourne was seamless. These two are absolute standouts—always available, quick to return calls, hardworking, and incredibly fast.
I also had the pleasure of working with Melissa and Clarise, who were equally lovely and professional. The entire team made the process stress-free and straightforward, something I’ve rarely encountered in this space.
I’ve already recommended Intuitive Finance to my family and friends because I know they’ll be in safe hands. If you’re looking for a broker that goes above and beyond, look no further. Highly rated and highly recommended!
A special thanks to Lachlan who was simply fantastic to deal with across a two year period and to Craig who made the final processes seamless.
Our Commitment to the Community
With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.