Skip to main content

When your fixed rate home loan term is due to end, it's the perfect time to reassess your needs and financial situation. Once you’ve done that, you have three options: re-fix, switch, or revert.

  • To fix your loan again for a further 1-5 years, speak to one of our home loan specialists.
  • To switch your loan product to a variable home loan that may better suit your needs (such as a loan with the option to redraw or an offset account), speak to one of our home loan specialists.
  • If you decide not to do anything when the term of your fixed rate home loan is up, the interest rate will revert to a ‘standard’ variable rate set by the bank. This rate is often higher than the rate you’ve been fixed on and will increase your monthly repayments. The interest rate and product your loan will revert to will be noted on the letter that is sent to you.

If you wish to explore your home loan options, please call us on 13 25 77 or make an online enquiry to speak with one of our home loan specialists.