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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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kelvin

3 years ago

The best rates are Fixed but there are some loans I provide that take 50/50 fixed and variable - so extra repayments can be made.

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Kobi

3 years ago

Hi Damien, We have some great specials on offer from the banks at the moment, more than happy to discuss, please contact me on kobi@handle,com.****

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James

3 years ago

Hi Damien,When answering this question I often like to refer my clients to the 2-3 year fixed rates set by the major banks. Let's face it, there are a lot smarter cookies than you and I in those companies making a living predicting things like interest rates!Example: The major banks are currently pricing their 2 years fixed at 4.19% and 3 years at 4.29%. That tells me the consensus are banks believes the interest rates will remain steady for the next few years.While there are some attractive rates in the market at the moment for fixed loans (high 3s%) to lock you in to that bank , it may not always be the best course of action depending on your financial circumstances/future investment plans. Hope the above helped. Feel free to contact me for more information.James Zhang04**** 302Ja****@psfi****.au

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Anita

3 years ago

Hi DamienIt all depends what you are looking for to pay of your house earlier or the interest rate which is cheaper.Email me and i can explain both of those things to you so that you may understand better.Anita

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Melinda

3 years ago

Hi Damien,A lot of clients are fixing their rates You could get a better rate if you were to refinance current home loan with another lender

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Marti

3 years ago

Hi Damien,please contact me to discuss what you mean by a 'better deal' (low interest rate? package deal? loan structure?)Best regards,Marti Nemet04**** 8****@your****.au

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Blake

3 years ago

With some of the lowest rates now is a good time to review fixed rates - and check they suit your financial goals. The features and benefits of fixed rates compared to variable are different so you want to ensure the loan structure / features match you strategy for the debt - you may want to split your loan and leave some variable. Blake 04**** 927

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Sam

3 years ago

Hi DamienThat is a good question. Rates are at their lowest in over 40 years. Will they go lower? only time will tell. if you are considering fixing your loan; may I suggest that you fix a portion of the loan and leave the other portion variable. having said that; I have a funder that will allow unlimited repayments, redraw and 1005 offset on a fixed rate loan.Please feel free to contact me on 04**** 308 or s****@sout****.au for a no obligation quote .RegardsSam

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Chris

3 years ago

Hi Damien,Fixing rates is a great way to ensure you know your repayments over the period you fix, there are never guarantees that you will be better off, it's always a personal decision. Keeping a good relationship with your broker and regularly reviewing your home loan can also help to ensure you always have the best deal.

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Christopher

3 years ago

Hi Damien,Interest rates at the moment are at historically low levels so may be a good option to fix your loan. There are a few things to consider before doing this however so it might be best to ensure it suits your personal situation. I'd be more than happy to discuss, feel free to call me on 04**** 234.Regards, Chris

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