Finance advice
Warren Dworcan

Variable or fixed loan: What's best for you?

By Warren Dworcan

One of the most important decisions when acquiring a loan is whether you should go with a variable or fixed rate. Both have their pros and cons but one may suit your financial goals better. It is essential that you know the differences and how each can benefit you.

Blogger: Warren Dworcan, managing director, Rate Detective Finance

Fixed Rate
A fixed interest rate is where your rate is locked in and stays the same for a specific period during the term of your loan. The fixed rate period can range from 1 year up to 10 years, depending on each bank’s offerings. The obvious advantage is you avoid the risk of rising interest rates and higher repayments, however you also miss out on potential savings if it falls. A major benefit of this type of loan is that it allows you to accurately budget as you know exactly what your repayments are going to be. The cons to having a fixed rate are that penalties will be payable if you wish to pay off or refinance the loan during the fixed rate period and most have none or limited additional repayments, which can be a source of frustration if you want to pay off your loan early.

Variable Rate
Variable rate loans, as the name suggests means that the interest rate can change at any time. However most of the changes to variable rate at the lenders are triggered by the cash rate changes from the Reserve Bank of Australia. As a general rule of thumb, if the cash rate drops so should your repayments (as a result of interest rate falling), however if they rise your repayments will increase. This can make it difficult to budget as repayments can become unpredictable. A bonus is that additional repayments are allowed so you can pay off your loan quicker if you wish to. If possible try and plan ahead for any expected rate rises by paying extra into the loan.

Combination Rate
Combination loans allow you to have a part of your loan on fixed and the remainder variable. Most lenders will offer this option. Your loan is basically hedged so regardless of the economic situation your loan will be partially suited to it. The catch is that you won’t get to experience the full benefits of either.

Which loan is best for you?
As a general guide, if you expect the cash rate to be higher than the offered fixed rate for a majority of your term then go with a fixed rate loan but if you predict it will be lower, then choose a variable rate loan. It is important to realise that interest rates cannot be controlled and are always changing as it is affected not only by events in Australia but globally which makes them impossible to predict accurately. There will always be risk for both but the decisive factor should be which option is best suited your financial needs. It’s vital you keep your own financial goals in mind, and take into account your income stream and the need for security or flexibility.

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About the Blogger

Warren Dworcan

Warren Dworcan

Warren Dworcan is the Managing Director of Rate Detective Finance, which provides information to consumers about home loans, credit cards, personal loans and personal insurance.

Successfully assisting thousands of Australians with loan enquiries in excess of more than $1 billion, Warren alongside his highly qualified and dedicated staff are equipped to deal with all aspects and complexities associated with the mortgage market.

Over the last two years Warren has been dedicated to growing the business into becoming one of the leading independent brokerages in Australia.

Recently recognised as one of the top brokers in Australia, Warren was awarded the coveted Australian Broker of the Year award in both 2012 and 2013 at the Australian Broking Awards in Sydney.

FROM THE WEB

podcast

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n

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      More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property

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