Interest Rate Advise
Interest Rate Advice
Choosing the right interest rate and term can make a big difference to how much you pay over the life of your loan. With so many options available, it can be hard to know which one is right for you. We’ll help you understand your choices and decide what suits your situation and goals.
Your options
Fixed rate. Your rate stays the same for a set term, usually from six months to five years. You’ll know exactly what your repayments are, but there may be break fees if you change or repay the loan early.
Floating rate. Your rate can go up or down at any time. It’s usually higher than fixed rates, but you can make extra repayments or pay the loan off without break fees.
Split loan. You can divide your mortgage across different fixed terms and floating. This spreads your risk and gives you a mix of certainty and flexibility.
Offset and revolving credit. These floating options let your savings or income reduce the interest you pay, which can help you pay off your mortgage faster.
How we help you decide
We look at your budget, future plans and how much certainty you want.
We compare rates and offers across a wide range of banks and lenders.
We help you choose the right terms and structure, rather than just the lowest rate on the day.
We check whether your current bank will offer you a better rate.
We remind you before your fixed rate ends, so you’re not automatically rolled onto a rate that doesn’t suit you.
Fixed rate coming up for renewal?
Talk to us before your fixed term ends. Book a free consultation and we’ll help you choose the right rate and structure for the next stage of your loan.
📞 021 579 324
