When you take out a mortgage, you will choose a variable, fixed or split interest rate. We’ll look at the pros and cons of a variable rate home loan. A variable home loan is a loan in which the interest rate varies over time. It can go up or down depending on the market and the RBAs official cash rate.

Potential advantages:
- Flexible loan features
- Interest rate cuts
- Ease of switching loans

Potential disadvantages:
- Interest rate rises
- Budgeting challenges

When deciding if a variable rate mortgage is right for you, consider your financial situation and personal attitudes. Get in touch with us today for help working out the right loan structure for your unique situation and goals.

Anyone can - eventually - find the 'cheapest' loan option, but there's more to a home loan than just the interest rate. Whether you're an ambitious first home buyer, or a fairly sophisticated investor, we'll help you make sure your finance is structured in a way that supports your overall strategy. Get in touch for strategic guidance on your home loan.

When we compare home loans, it's not just the interest rate we consider when calculating how much it will cost you. There are a plethora of other fees that lenders will charge throughout the life of your loan – from applying, to using key features, to exiting the loan. And of course the lowest price doesn't always equate to the best value, so we look at how you'll use the loan product, and what's going to support your overarching property strategy. Get in touch to get started.

The RBA have been steadily increasing the cash rate. And it's why – when we help you secure a home loan – we make sure to add a 3% buffer. This gives us all confidence that you can cope with these interest rate increases. After all, we only want you to commit to a home loan you can live with. Get in touch if your loan is more than two years old or your circumstances have changed. We'll help you understand your options.