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Fixed Rate Mortgage
Fixed Rate Mortgage
A Fixed Rate Mortgage offers the peace of mind of consistent payments over a set period, typically ranging from 6 months to 5years. This option can help you budget effectively as your repayments won’t change even when interest rates fluctuate. However, should you choose to pay off your mortgage early, such as when selling your home, be aware of potential early repayment fees.
Floating Mortgage
Floating Mortgage
A Floating Mortgage offers greater flexibility with your interest rate linked to the official cash rate. This means that while your rate can change, you have the freedom to pay off your loan at any time without incurring additional fees. Some lenders even allow you to withdraw funds if you’ve paid more than the required amount, providing extra financial flexibility.
Revolving Credit
Revolving Credit
Think of a Revolving Credit mortgage as an extended overdraft with access to your funds at floating mortgage rates. This option is ideal if you want flexibility in managing your loan, especially if you have inconsistent income or are self-employed. By keeping unused funds in your revolving credit account, you can reduce the interest you owe, while maintaining easy access to cash when needed.
Offset Mortgage
Offset Mortgage
An Offset Mortgage lets you use multiple savings accounts to reduce the interest on your mortgage. You can offset the balance of your mortgage with up to 10 different accounts, making this a great option for those who prefer to keep their savings for specific purposes, such as a vacation or home renovation. With this mortgage, you still have the flexibility to access your savings, while reducing the amount of interest you pay.
Interest-Only Mortgage
Interest-Only Mortgage
An Interest-Only Mortgage is an option available for customers with at least 20-30% equity in their property. With this type of mortgage, you only pay the interest on the loan for a set period (usually up to 5 years), which can ease your financial strain, especially if you’re investing in a property. However, once the interest-only period ends, your repayments will increase to cover the principal amount as well.
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