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Why do people choose fixed-rate mortgages?

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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.

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