Fixed vs Variable — Which Home Loan is Right for You?
Fixed or variable? Neither is universally better. The right choice depends on your budget, flexibility needs, and how you'd handle a rate rise. Here's a clear breakdown to help you decide.
Understand Your Options
Your roadmap to ownership
Learn about government grants, stamp duty concessions, and the real costs of getting into the market.
Read the guidearrow_forwardhome
Buying YourFirst Home.
Guide|Free to read
01/04
60+
Lenders on our panel
100+
Happy clients
$0
Cost to you
24hr
Response time
Keep Learning
Guides, tips, and plain-English breakdowns to help you make confident property decisions.
The Loyalty Tax: Why Staying With Your Bank Is Costing You Money
There's a quiet penalty in the Australian mortgage market that almost nobody talks about. It doesn't show up as a fee on your statement. Your bank won't call to warn you about it. And the longer you ignore it, the more it costs you. It's called the loyalty tax — and if you've had your home loan for more than two years without reviewing it, it's worth checking whether you're paying it right now.
What Is LMI and Can I Avoid It?
If you've been researching home loans, you've probably come across the term LMI and had a moment of confusion. Is it a fee? Insurance for you? Something the bank charges just because it can? The short answer: LMI is a one-off cost that protects the lender, not you — and with the right strategy, many first home buyers can avoid it entirely.
Still have questions?
That's what we're here for. Book a free, no-obligation chat and we'll walk you through your specific situation. No jargon, no pressure.