In a sign that perhaps interest rates may be on hold for a little while, some of the major banks are offering fixed rates for 3 years from 6.99%. It as only 3 months ago that the 3 year fixed rate was up around the 8% mark so 6.99% is a very sharp rate.
Temporary Residents and Australian Expats should consider carefully whether to fix in or not. If your budget is tight and perhaps another few rate rises would see you start to struggle with repayments, then fixing the rate in may be a good idea. If however you have plenty of surplus income and like paying more off your home loan, then variable is probably the better option.
The main advantage of fixed is the certainty of payment – the main disadvantage is as, many discover recently, you could end up stuck on a higher rate if the variable rate reduces.
Ari & Nadene ThomasWe recently worked with Justin refinance our loan. This is the 2nd time working with him and both times have been a pleasure.
Justin has always gone above and beyond to assist us to ensure we get the best possible service. Not only does he show a professional attitude toward his role, but he also shows a genuine interest in our family to assist with our financial matters.
I would have no hesitation in recommending Justin to people important in my life.
Matthew KGreat communication from Justin who helped through a fairly tumultuous time in our lives. We genuinely appreciated the hand-holding and methodical approach they used to help us secure out first home.
Yours sincerely Matt, Kit and our new baby Sapphire ❤
Mitch and AngieWe’ve had a very positive experience with Justin after being referred to him by our Financial Advisor. Justin’s communication was fantastic and he was always careful to explain each step of the way to us throughout our refinancing experience. We would certainly work with Justin again in the future given the chance!
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