Articles on: Managing my home loan

How do I move my loan to a fixed rate?

Well offers great variable and fixed-rate home loan options. If you are currently on a variable rate home loan and are looking to take advantage of fixing your home loan, it’s pretty simple.

How to get started

First, you’ll need to work out what Fixed Rate you would like. You can view our current fixed rates right here (opens in new tab)
Make sure you have your Account details ready (you can find this in your internet banking).
Send an email to
Relax and we’ll give you a call to confirm your request and prepare the appropriate paperwork to let you know the confirmed rates that you’ll be locking in.
Sign the paperwork and send it back – done!

Things to consider

If you have multiple facilities (split loan)

If you’ve chosen to have multiple facilities on your home loan (ie splits), then you will also have multiple account numbers. It’s important to note that we will need a form for each facility that you want to lock-in. If you’ve already got a fixed facility, then only a variable portion can be fixed. Once a fixed rate expires, then you can always look to re-fix again.


Please note that any request to fix your home loan is subject to approval by our funding partners. Any request to fix a home loan may be denied for any reason. You will need to have your home loan in good standing order and not be in arrears to request to convert from variable to fixed rates.
Looking for Interest Only options? You’ll need to get in touch with us so that we can work out if an Interest Only option is right for you.

Updated on: 04/05/2023

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