Call: (07) 5527 4744

TO FIX … or NOT TO FIX ???

March 7, 2013 in Insider Tips, Latest News, Rate Cuts, Rate Rises by admin  |  Comments Off on TO FIX … or NOT TO FIX ???


As you would expect there is no One Right Answer” that can apply to everyone’s personal circumstances and strategies however there are several basic Pro’s and Con’s” and Handy Hints” that you need to know before you can determine the Right Decision for You”.

Fixed Interest Rates


  1. Safe from rising interest rates
  2. Guaranteed loan repayments
  3. Record low rates


  1. Additional repayments limited
  2. No / Limited Redraw
  3. Break Costs may apply if loan is repaid (Full or Part)

Variable Interest Rates


  1. Save $$$ if Interest Rates fall
  2. Additional repayments –  No limits
  3. Redraw
  4. 100% Offset Account (if available)
  5. Can switch to a fixed interest rate at any time


  1.  Interest Rates can rise

Handy Hints:

  1. Achieve the benefits of each rate type by selecting a combination of both (i.e. Part Fixed + Part Variable) 
  2. Select a Fixed Rate term that does not exceed your known plans (i.e. Avoid paying Break Fees)
  3. Seek “FREE” advice from an experienced Mortgage Specialist … One 5 minute chat can save you THOUSANDS $$$


All clients of DPF Mortgage Specialists are eligible to receive advice from our licenced Mortgage Specialists AT NO COST.

Simply click on “CONTACT US” or phone (07) 5527 4744


Posted in Insider Tips, Latest News, Rate Cuts, Rate Rises.