All About Fixed Rates

2010 March 25
by iggy

There are a lot of home loan products out there in the market today, and one of the most common is the fixed rate loan.  The fixed rate loan as the term suggests is fixed for a certain period depending on the length of time agreed upon.  The interest rate does not and will not change within the agreed period.  It will not matter whether interest rates go up or down.  Hence the term “fixed.”

The basic premise to remember when fixing a loan is that you should fix when interest rates are low.  Where you fix your interest rate when the rates are high, no one will be happier to fix it for you than the bank or lender you are getting the loan from.  This will be a good deal on their part, and a bad deal on your end.  Where you know for a fact that historically interest rates are high, do not get a fixed rate and opt for a variable rate.

However, traditionally fixed rates are very inflexible, and cannot be considered a borrower friendly loan.  What you fix is what you get no more no less.  This has changed, and is no longer always applicable.  These days there are already flexible fixed rates that borrowers can enjoy.  The common features of these flexible fixed rates are that you can make extra payments without suffering any additional costs or penalties.  These flexible loans also have redraw facilities and offset facilities.  You can likewise make interest only repayments.

A fixed rate loan if made at the right time for the right reasons can save one a lot of money.  Imagine getting a very low rate historically, and having that last for 15 to 20 years.  This is the reason why getting advice on your fixed rate loan is of utmost importance.  In order to get the proper information on fixed rate loans, it would be best to consult the experts on these types of loans.  They can show you the ideal way to use fixed rate loans to your advantage, and tell you straight whether a fixed rate loan would be suitable for your current situation.

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