Fixed, variable or split?

How to choose based on your cash flow, not the headlines.

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Short answer

No one can reliably predict rates. Choose the structure that suits your cash flow and plans.

Fixed suits you if

You need repayment certainty
You do not plan to sell or refinance during the fixed term

Variable suits you if

You want a full offset and unlimited extra repayments
You may sell, refinance or upgrade soon

Split

A split gives certainty on part of the loan and flexibility on the rest.

The Rate Engine offer

$1,000 cashback on loans of $1M or more

Refinance or take out a new loan of $1 million or more with us and we'll pay you an extra $1,000, on top of any lender cashback. We compare 30+ lenders and it costs you nothing.

$500

when your loan settles

$500

on your loan's 12-month anniversary

Book a call

Offer applies to new loans and refinances of $1,000,000 or more, arranged through Rate Engine and settled from [start date]. $500 is paid within [X] days of settlement and $500 within [X] days of the loan's 12-month anniversary, provided the loan is still active and has not been refinanced or repaid. One payment per loan. Subject to lender approval.