Wednesday, July 29th, 2015

Borrowers who believe interest rates have bottomed out have a limited time to take advantage of a record low fixed rate of 3.99 percent for two years from 2015 Home Lender of the Year, Pty Ltd.

The rate is’s lowest ever fixed rate, which Managing Director, Marie Mortimer, said aimed to meet the market’s growing focus on fixed rates.

“Many borrowers feel that the RBA has cut the cash rate as far as it’s going to, or at least believe their bank won’t pass on future cuts, and they are looking to fix their home loan,” Ms Mortimer said.

“There is a lot of competition among home lenders and this is a special offer to give borrowers the best incentive to leave their bank and come to us.”

Regardless of further movement in the cash rate, there is evidence in the market that borrowers are looking for certainty.

“Whether the cash rate drops further or not, borrowers recognise that interest rates are the lowest they’ve been in generations,” Ms Mortimer said.

“They are looking to lock in a low rate to sustain their savings in interest repayments for as long as possible and minimise their exposure to future rate rises.”

The Dream Home Loan Two-year Fixed has a comparison rate of 4.09 percent p.a. and reverts to a variable interest rate of 4.06 percent p.a. upon completion of the fixed term.

It is available to owner-occupiers with a maximum loan amount of $500,000 and 80 percent LVR. For full product specifications and conditions, visit

In the low interest rate environment, many borrowers had pursued an aggressive repayment strategy to be debt-free sooner.

“The days of borrowers diligently making their set mortgage repayments to their bank over the term of their home loan are long gone,” Ms Mortimer said. “Today’s borrower is agile and they are not afraid to refinance for a better deal.

“They go after the most competitive interest rate, get ahead of their repayment schedule, and use a mortgage offset to cut down their interest so they build equity and own their home faster.”

Contact Profile Pty Ltd Pty Ltd is Australia’s leading online loans company that believes in keeping things simple. That's why we have created a range of full feature home and car loans so you don't have to give up the important loan features you need.
The business has previously been awarded multiple CANSTAR 5 Star Ratings for Home Loans, Best Overall Online Lender by Your Money Magazine and the Australian Home Loan Awards 'Best Non-Bank of the Year', among others. Pty Ltd aims to deliver a customer centric approach, with an experienced team that cares about what they can do for you.

Charnie Braz
P: 07 3013 8644
M: 0434 184 264


home loans, mortgage, real estate, loans, finance, property, rates



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