05/05/2026
Interest rates are expected to rise again today following the Reserve Bank of Australia decision.
With inflation still holding strong, there’s a real chance we may see further rate increases in the coming months.
If you’re on a variable rate, now is a good time to review your options.
Fixed rates (1–3 years) are worth considering if you’re looking for:
• repayment certainty
• protection against further rate hikes
• better cash flow management
A lot of clients right now are not going all-in fixed, but instead using a split strategy:
• part fixed for stability
• part variable for flexibility and offset benefits
1-year fixed suits short-term certainty
2-year fixed is currently the most balanced option
3-year fixed works if you want longer-term peace of mind
Every situation is different, and timing matters.
If you want to sense-check your loan or explore options, happy to run through it with you. No obligation