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Fixed rate home loans

WITH a fixed rate loan your interest rate and repayments are fixed for a set period, usually between one and five years. 

Most fixed loans will automatically default to a variable loan at the end of the term, but can roll over to another fixed term.

Advantages


   1. When rates are rising it is guaranteed that your interest rate will not go up.
   2. You know how much your repayments will be for the fixed period of the loan.

Disadvantages


   1. In period of decreasing interest rates your interest rate will not drop during the fixed term.
   2. There can be penalties for changing from a fixed rate loan to a variable, or for changing lenders, before the fixed term ends.


To check out the latest Fixed Rate home loan rates click here.

Let a ratesonline broker contact you about Fixed Rate Home Loan.

 


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