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Fixed Interest Rate Loans

Fixed interest rate loans are for those people who think that interest rates will rise over a specified term and that see an advantage in fixing. Usually offered over a choice of 1,2,3,4 or 5 year terms and the rate is locked in for the duration of the agreed term. There are usually restrictions on how much extra a client can repay from the principle of the loan during the agreed term. If a client exceeds the specified extra repayment amount then they are liable for 'break costs' which is an 'economic cost' formula based on the amount fixed, the remainder of the agreed term and the current variable rate. 'Break costs' can work out to be very expensive, especially in a falling interest rate market so borrowers need to be confident that they will not need to break the loan within the fixed period before entering into it.
We have access to some of the best and lowest fixed rate mortgages available and can also offer fixed products that have unlimited extra repayment and redraw facilities which is quite rare.

Call or email for lender's comparison rate schedules or specialised Mortgage Software generated comparisons that details relevant features of competing loan products side by side and also gives an AAPR (average annual percentage rate) which is an indication of the 'true' cost of the loan over a seven year term.

The above Fixed Interest Loan content is information only and should not be construed as financial advice.

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