{"id":16484,"date":"2025-01-16T15:43:13","date_gmt":"2025-01-16T04:13:13","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16484"},"modified":"2025-01-16T15:43:13","modified_gmt":"2025-01-16T04:13:13","slug":"decisions-decisions-fixed-rate-vs-variable-home-loan-rate","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/decisions-decisions-fixed-rate-vs-variable-home-loan-rate\/","title":{"rendered":"Decisions decisions\u2026 Fixed-rate vs variable home loan rate"},"content":{"rendered":"<p>Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now.\\<\/p>\n<p>Home loans come in all shapes and sizes. A common thread is that you\u2019ll likely be given the choice of a variable or fixed interest rate.<\/p>\n<p>It\u2019s an important decision, as fixed rates can be very different from variable rates \u2013 and right now, some lender\u2019s fixed rates are lower than their variable rates.<\/p>\n<p>Let\u2019s take a closer look at both options.<\/p>\n<h3>Variable-rate home loans<\/h3>\n<p>With a variable-rate loan, the rate you pay can move up or down in line with market interest rates.<\/p>\n<p>If the Reserve Bank of Australia (RBA) raises the official cash rate, for example, your loan rate will almost certainly rise, which in turn increases your repayments.<\/p>\n<p>Conversely, if the cash rate falls, your variable rate should also drop, which would result in lower monthly repayments.<\/p>\n<p>The upshot is that you need to be prepared for your home loan interest rate (and repayments) to rise or fall during the course of your mortgage.<\/p>\n<p>In exchange for this uncertainty, variable rate loans tend to offer more flexibility and features.<\/p>\n<p>These can include a redraw facility, linked offset accounts, and being able to make fee-free extra repayments, all of which can make your home loan easier to live with and help you pay off the balance sooner.<\/p>\n<h3>Fixed-rate home loans<\/h3>\n<p>When you fix your home loan rate, the interest rate stays the same regardless of changes to market rates.<\/p>\n<p>This means you know exactly what your repayments will be throughout the term of the fixed rate period (usually one to five years), which can help make household budgeting easier.<\/p>\n<p>If market rates rise, you\u2019re in front because your fixed rate won\u2019t be affected.<\/p>\n<p>The downside is that if interest rates fall, you won\u2019t get the benefit of lower repayments.<\/p>\n<p>The good news is that today\u2019s fixed-rate home loans are generally more flexible than in the past.<\/p>\n<p>Some allow extra repayments (often up to an annual limit) plus redraw. Others even provide offset accounts.<\/p>\n<p>Even so, one issue to be aware of is\u00a0<a href=\"https:\/\/moneysmart.gov.au\/glossary\/break-fee\" target=\"_blank\" rel=\"noopener noreferrer\">\u2018break\u2019 fees<\/a>.<\/p>\n<p>These can apply if you bail out of a fixed-rate loan before the fixed term ends \u2013 something that may happen if you want to refinance to a lower interest rate loan sooner than you originally planned.<\/p>\n<p>Break fees can be complex. But if interest rates have dropped since you fixed, you could be up for significant costs, potentially running into tens of thousands of dollars, which could wipe out any savings from refinancing.<\/p>\n<p>This highlights the need to talk to us before locking in a fixed rate so you can make an informed choice.<\/p>\n<h3>Do fixed-rate loans come with higher interest rates?<\/h3>\n<p>This is where things get interesting.<\/p>\n<p>Right now, fixed rates can actually be lower than variable rates, depending on the lender.<\/p>\n<p>This is likely because some banks believe that the RBA may cut the official cash rate (perhaps several times) over the next couple of years, so they\u2019re pricing this into their fixed rate options to make them more enticing.<\/p>\n<p>Macquarie Bank, for instance, has a 2-year fixed rate of 5.69%, well below its 6.14% variable rate.<\/p>\n<p>Whether the RBA cuts the cash rate, how many times it cuts it, and how soon all determine whether or not you come out ahead by fixing now.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<h3>A split rate loan \u2013 have your cake and eat it too<\/h3>\n<p>There is one possible way to enjoy the certainty of a fixed rate and the flexibility of a variable rate: a split rate loan.<\/p>\n<p>This lets you divide your loan between a fixed rate and a variable rate. For example, 40% of your mortgage could be accruing interest at a fixed rate and the remaining 60% could be charged at a variable rate.<\/p>\n<p>You get bragging rights about the lower fixed rate you\u2019re paying, plus the features of a variable rate loan.<\/p>\n<p>It\u2019s a bit like hedging your bets, with some additional benefits.<\/p>\n<h3>Want to know more?<\/h3>\n<p>Still not sure which option might suit you?<\/p>\n<p><a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\">Book in a call<\/a> today to find out more. We don\u2019t have a crystal ball, but we can sit down and work out what\u2019s important to you \u2013 and then which of the above options aligns with those needs.<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now.\\ Home loans come in all shapes and sizes. A common thread is&#8230;<\/p>\n","protected":false},"author":4,"featured_media":16485,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-16484","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Decisions decisions\u2026 Fixed-rate vs variable home loan rate - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finance-matters.info\/2025\/01\/15\/decisions-decisions-fixed-rate-vs-variable-home-loan-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Decisions decisions\u2026 Fixed-rate vs variable home loan rate - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. 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But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now. Home loans come in all shapes and sizes. 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