Think of it like dating — one offers security, the other offers flexibility. But which is right for you?
Choosing between a fixed and variable loan comes down to your personality, your financial goals, and how much certainty you want.
A fixed loan locks in your interest rate for a set period (usually 1–5 years). Your repayments stay the same, so you know exactly what you’re paying.
A variable loan can go up or down based on the market. You might save money when rates drop, but pay more if they rise. You usually get more features and flexibility with a variable loan.
There’s also the option to split your loan — fixing part and leaving the rest variable. That way, you get the best of both worlds.
We’ll help you figure out what suits your lifestyle, budget, and future plans.
📞 Let’s chat about what works best for your situation — book a quick call today.