Finance > Insurance > Home InsuranceWhat Are The Benefits Of Fixing Your Home Loan? Posted by shreekantrao89 in Finance on February 17th Cheap Sports Jerseys , 2017
With their interest rates slightly lower than the variable home loans, fixed rate home loans are usually the go to option for first home buyers and also a favorite for investors who are looking for certainty. In the event the interest rates decide to play the Russian roulette, these loans can save you thousands of dollars when the interest rates are volatile. However, if interest rates drop during your fixed term Cheap Kids Jerseys , you may miss out on big savings.
On the surface, the five year fixed rate loans are very straightforward. The interest rate charged on the home loan is fixed at a set rate for a period of up to five years. Mortgage borrowers tend to have a lot of options when it comes to the term of their mortgage. However here in Australia, most borrowers prefer the five year mortgage plan. Though their initial borrowing costs are higher, fixed rate home loans offer borrowers predictability and a peace of mind.
Despite the fact that interest rates in the Australian market have been relatively low and remained stable in recent times Cheap Youth Jerseys , fixed rate home loans have remained as popular as the variable loans.
So What Makes Many Australian Home Buyers Go For The Fixed Rate Home Loans?
Most home buyers have families and are working on a tight budget. With your loan fixed for a five year period, one is able to budget their finances more predictably knowing well what their expenses would be for the foreseeable future and not being at the mercy of fluctuating interest rates.
Just like their variable counterparts, many fixed rate home loans now offer redraw facilities and extra repayments making it possible for you to pay off your loan faster. But, be sure to read the fine print carefully because some of these extra features like refinancing and extra repayments are available at a fee which can run into thousands of dollars. To be on the safe side Cheap Womens Jerseys , make sure you are aware of any break costs included in your home loan contract.
At the end of your five year fixed term, you have two options:
Recommit your loan to another period of fixed interest rates
Switch to a split loan product where you are able to enjoy the variable and Property Loan Interest Rate options at the same time
However, in the event that you are undecided which way to go, use our home loan calculator to help.
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