18/03/2026
Another rate rise… and cue the messages flooding in 👀📈
“Should I fix?”
“Should I stay variable?”
“Is this the peak?”
Honestly… if I had a crystal ball, I’d be on a beach somewhere not answering emails 😂
The truth is — no one can predict exactly what rates will do next. Not the banks, not the economists, not even the Reserve Bank of Australia.
What we can do is make a smart decision based on your situation, your risk tolerance and your goals.
Here’s the real breakdown 👇
🔒 Fixing your rate:
✔️ Certainty in repayments (great for budgeting)
✔️ Protection if rates continue to rise
❌ Less flexibility (break costs can sting)
❌ You could miss out if rates drop
📊 Staying variable:
✔️ More flexibility (extra repayments, redraw, refinancing)
✔️ Benefit if/when rates come down
❌ Repayments can increase further
❌ Less predictability month-to-month
Right now, we’re seeing a lot of clients take a split loan approach — part fixed, part variable — to balance certainty and flexibility.
But there is no “one size fits all” answer here.
If you’re feeling unsure, overwhelmed or just want to know your options — reach out. That’s what I’m here for 💛
