A number of loans we offer carry the alternative of a fixed interest rate. In broad terms this means that your monthly loan repayments cannot go up or down despite what happens with money market interest rates. In general terms a loan where the interest rate is fixed tends to be more expensive at commencement than a loan where the interest rate is variable for the whole period of the loan. This is because the cost of the risk that interest rates might rise has to be added into the fixed rate loan.

Our fixed rate loans tend to fall into two main categories:
a) short term fixed rate loans - with these loans the interest rate and thus the monthly payment are fixed for the first 12, 36 or 60 months of the loan. These plans normally can be offered at the same or similar interest rate as variable rate loans. They tend to be popular with clients that recognise that it is likely that they will refinance our loan within 3-5 years of taking out the loan as most of our clients do.

b) full term fixed rate loans - with these loans the interest rate and thus the monthly payment are fixed for the whole term of the loan. These plans normally can only be offered at a higher interest rate than variable rate loans. They tend to be popular with clients who want complete peace of mind that their payments won't change and believe they will repay the loan over the full term.

The choice of interest rate rests largely with your risk outlook and this is inevitably influenced by what the likelihood is that interest rates might rise or fall in the future. Fixed rates tend to be more popular where the likelihood is that money market interest rates are going to rise and less popular when the likelihood is that they will fall.

For further details, apply on-line straight away.


LOANS SECURED ON YOUR HOME
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. 12.8% APR Typical Variable

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