Offset vs Fixed: When Does It Overtake?
A variable loan with offset usually starts to overtake a lower headline fixed rate once the offset balance is large enough to stay there, not just appear…
Aug 2026 Read guide →
Topic
Fixing vs staying variable
Whether to fix your rate or stay variable. Fixing buys certainty and you pay for it in flexibility: the repayment holds steady, but extra repayments are usually capped, offset is often unavailable, and break costs are calculated on the lender's loss rather than a set fee.
How Borrowers Avoid Fixed Loan Trap Costs
A fixed loan can shave a few basis points off the headline rate and still cost you more overall. That happens when the contract makes it hard, or expensive,…
Aug 2026 Read guide →
Fixed or variable — how to actually decide
Fixing is not a bet on interest rates so much as a decision about how much uncertainty your budget can absorb. Here is a straight way to think about it.
May 2026 Read guide →
fixed vs variablefixed rate home loanbreak costsrevert rate