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Fixed or variable rate loan?

Frequently Asked Questions



MFAA Certified Member
Frequently Asked Questions
Fixed or variable rate loan?

Having a variable or fixed rate loan comes down to personal preference. A large range of factors need to be carefully considered when deciding what’s best for you.

Fixed rates provide you with confidence in future cash flow requirements, however if rates fall, can leave you locked into paying more than you need to.

Variable rates are traditionally lower, but leave you at the mercy of the Reserve Bank of Australia (RBA) and your lender’s interest rate decisions.

We will work with you to figure out the best borrowing scenario for you given your financial situation and tolerance to risk.

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