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If a fixed home loan isn't for you, there is another option; variable rates. Variable interest rates aren't fixed, and instead fluctuate as the market and lender interest rates change.
A rate allows your mortgage repayments to increase or decrease, depending on the interest rates. So they offer the advantage of making the most of lower interest rates but also come with the risk that the rate will increase when interest rates are higher. Since the mortgage repayments are not locked in, it can be harder to budget for your repayments with certainty.
If you’re considering a variable rate, it's wise to understand that future changes in interest rates may impact your future repayments.
We respectfully acknowledge the Traditional Custodians of all the lands on which we live and work, and we pay our respects to Elders past and present. We recognise their continued connection to the land, waters and culture and we acknowledge that sovereignty has never been ceded. Our head offices are located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria, and the land of the Gadigal people of the Eora Nation in New South Wales.
We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.
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