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Most mortgages aren’t set up based on strategy.
They’re set up based on what feels right at the time.
Right now, I’m seeing a lot of homeowners leaning toward short-term rates again.
Not because it’s always the best option -
but because they don’t want to “miss out” if rates drop further.
The reality?
This decision isn’t just about where rates are going.
It’s about how your mortgage is structured around your life.
Did you know you could buy an Electric Vehicle (EV) with a bank loan at 1% interest...?
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The OCR (Official Cash Rate) has held again - and it’s triggered the same question I’ve been getting from clients this week:
“Should I break my fixed rate early to lock in something lower?”
It’s a fair question.
But it’s also where a lot of people get this wrong.
Because while a lower rate sounds like a win… it doesn’t automatically mean you’ll be better off.
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