Wednesday 4 November 2026: Following the RBA’s decision to change the official cash rate, interest rates for owner-occupier and investor variable loans will increase by 0.25%, effective 19 November 2026. From 19 November 2026, deposit rates across the majority of savings products will also increase by 0.25%. Find out more.

Friday 13 November 2026: Microsoft Outage - We're aware of the Microsoft outage issue which may cause delays with sending and receiving emails. If you have an urgent enquiry and need our assistance please call us on 1300 747 747. We appreciate your understanding.

Why do people choose fixed-rate mortgages?

Home
Support
FAQs
< Back to 
FAQs

Many Australian homeowners have opted for a fixed-rate home loan as they offer security and certainty. Knowing that you can lock in the same rate and, therefore, the same repayments for up to five years could allow you to manage your budget better. Furthermore, you could plan for your mortgage repayments without the stress of anything changing with the fluctuation of interest rate changes. For owner-occupiers, fixed-rate home loans may provide a sense of financial stability, while investors can more easily predict their annual return.

How can we help?

Help Centre

Find your answers here

Contact Us

Talk to us here

General Enquiries

Ask us about anything here