18/10/2026
Fixed rate expired? Welcome to the mortgage shock club…
We’ve been speaking to so many homeowners lately who are feeling the sting after their low fixed rate ended.
Just this week, I had a client reach out in a panic.
They were on a low fixed rate — predictable repayments, smooth sailing.
Then the fixed term ended… and the shock set in.
They were suddenly dropped into a high 6% variable rate with no real warning.
Their monthly repayments jumped by over $1,000 — instantly.
And they’re not alone....
Since the Reserve Bank of Australia increased rates 13 times between May 2022 and November 2023, lenders have raised variable rates significantly. If you haven’t reviewed your home loan since your fixed rate expired, there’s a good chance you’re now paying the “loyalty tax.”
Here’s how we helped this client:
We reviewed their loan and identified better options
Compared competitive rates across multiple lenders
Refinanced to a new lender with a better structure
The result? They're now saving over $300 per month — just by acting quickly.
If your fixed rate has ended (or is ending soon), don’t just accept the jump in repayments.
A complimentary loan review could help reduce your repayments and free up extra cash each month — or at the very least, give you the clarity and confidence to make the right move next.
Let’s chat. Send me a message A quick, complimentary loan review could be all it takes to lower your repayments, put money back in your pocket, and give you a clear path forward — without the stress.
If you’d like me to get this outcome for you too, just PM me and let’s get started.
