It's one of the most common questions first home buyers and refinancers face: should I fix my rate, go variable, or do a bit of both? There's no universal right answer — but understanding how each option works makes the decision a lot clearer. What Is a Fixed Rate Home Loan? A fixed rate loan locks in your interest rate for a set period — typically one to five years. During that time, your repayments stay exactly the same regardless of what happens to interest rates in the br

Wondering how much you can borrow for your first home? We break down the key factors lenders assess — in plain English, no jargon.