Fixed Term Home Loan with Fixed Interest Rate

This loan has a set interest rate for a period of time. This means you know exactly what your repayments will be for your fixed rate term.

If you are unsure about whether to take a fixed or variable rate - you should consider a Split Loan.

Advantages

  • Fixing the interest rate for a period of time insures against future rate rises.
  • It is easy to budget for the same regular repayment each month.

Disadvantages

  • If interest rates fall you may pay more for your loan than borrowers on variable rates.
  • Most lending institutions penalized you for making additional repayments.
  • You may be penalized if you pay off your home loan before the due date.

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about usCarruthers Financial Services was established in 2000 filing the service void left by the major banks by providing a  mobile, one on one service. We not only help you arrange your finance, but we continue educate and work with you on a regular basis, so you can achieve the Australian dream of owning your own home sooner.
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