In particular we focus on getting the loan structure right the first time, choosing which lenders to use in the right order (yes this is important) and finally getting our clients the best deal possible.
Prior to 2022 fixed rates were well below variable rates for home loans, in fact, they were the lowest they’ve been in Australian history. But fast forward to 2023-2024 this has changed and majority of fixed rates are higher than the variable rates.
Generally, if a lender expects the cash rate to rise, the fixed rate will be higher than the variable rate; conversely, if the cash rate is expected to fall, the fixed rate will be lower than the current variable rate.
