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.
ShannonJustin was brilliant to have as an broker. He worked with my schedule and got everything organised with good counsel and assisted with resolving any issues, and where he wasn’t able to personally, pointed me in exactly the right direction to work the issue, myself. Absolutely will be utilising his services again in the future.
Ilse & Dave HawkinsJustin guided us from start to finish with our refinancing process, and was able to get the lowest possible interest rate. He kept us informed and made it a simple and quick. Justin was a pleasure to deal with! Thank you Justin!
Dan & Lisa DuncanWe have worked with Justin to refinance our house and an investment property.
We had some complexities that Justin guided us through. He achieved a better rate and structure for us than we had dealing directly with the CBA.I have worked with other brokers over the years, but none as responsive, knowledgeable, and easy to work with. Thanks mate!
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