{"id":391,"date":"2023-09-19T06:00:24","date_gmt":"2023-09-19T06:00:24","guid":{"rendered":"https:\/\/justimaginefinance.com.au\/?p=391"},"modified":"2025-07-15T03:02:10","modified_gmt":"2025-07-15T03:02:10","slug":"is-it-time-to-fix-your-home-loans-interest-rate","status":"publish","type":"post","link":"https:\/\/justimaginefinance.com.au\/?p=391","title":{"rendered":"Is it time to fix your home loan\u2019s interest rate?"},"content":{"rendered":"<p><span class=\"\">Last year, Australia saw <\/span><a href=\"https:\/\/justimaginefinance.com.au\/what-s-the-deal-with-interest-rates\" target=\"_blank\" rel=\"noopener\" type=\"url\">some of the lowest home loan rates<\/a><span class=\"\"> in history. But, sadly, once you\u2019ve hit rock bottom \u2026 the only way left to go is up. And, in recent months, many fixed rates have been creeping higher \u2013 despite the Reserve Bank of Australia (RBA) keeping the official cash rate on hold at its record-low of 0.10%.\u00a0 <\/span><\/p>\n<p>What\u2019s going on?<\/p>\n<p>More importantly, is it time to fix your home loan so you don\u2019t get a nasty surprise if and when interest rates rise?<\/p>\n<p>Let\u2019s find out.<\/p>\n<p>The economic recovery is gathering pace<\/p>\n<p>The RBA slashed the cash rate to near-zero to help support Australia\u2019s economy through the pandemic. But not only has our economy proved more resilient than many had predicted \u2013 the rebound has been faster and stronger too:<\/p>\n<ul class=\"defaultList\">\n<li><span class=\"\">The <\/span><a href=\"https:\/\/www.rba.gov.au\/media-releases\/2022\/mr-22-02.html\" target=\"_blank\" rel=\"noopener\">RBA now expects<\/a><span class=\"\"> the economy to have grown by 5% over 2021 (compared to the 3% it had previously forecast)<\/span><\/li>\n<li>The labour market has recovered strongly, with the unemployment rate falling to 4.2% in December \u2013 a 13-year low<\/li>\n<\/ul>\n<p>Inflation is rising<\/p>\n<p><span class=\"\"><br \/>\nWhile that\u2019s great news, it\u2019s also contributed to an <\/span><a href=\"https:\/\/www.abs.gov.au\/media-centre\/media-releases\/cpi-rose-13-december-2021-quarter\" target=\"_blank\" rel=\"noopener\" type=\"url\">inflationary spike<\/a><span class=\"\"> during the 2021 calendar year with:<\/span><\/p>\n<ul class=\"defaultList\">\n<li>The cost of living jumping by 3.5%<\/li>\n<li>Annual \u2018trimmed-mean inflation\u2019 increasing to 2.6%<\/li>\n<\/ul>\n<p>Of these inflation measures, the trimmed-mean version is the one to keep your eye on, for two reasons.<\/p>\n<p>Firstly, it\u2019s the RBA\u2019s preferred measure as it strips out items with volatile price movements, such as food or fuel, to measure the underlying inflation in the economy.<\/p>\n<p>Secondly, the RBA\u2019s governor has repeatedly gone on the record to say the bank will not increase the cash rate until actual inflation is \u201csustainably\u201d within the 2-3% target range.<\/p>\n<p><span class=\"\"><br \/>\nFor that to happen, the bank believes annual wages growth will need to rise to at least 3% (it\u2019s currently 2.2%) \u2013 something the RBA believes will not happen <\/span><a href=\"https:\/\/www.rba.gov.au\/media-releases\/2021\/mr-21-24.html\" target=\"_blank\" rel=\"noopener\" type=\"url\">until late 2023<\/a>.<\/p>\n<p>But some of the big four banks disagree:<\/p>\n<ul class=\"defaultList\">\n<li><span class=\"\">Westpac has pencilled in <\/span><a href=\"https:\/\/www.savings.com.au\/news\/westpac-rba-cash-rate-forecast\" target=\"_blank\" rel=\"noopener\">a hike in August 2022<\/a>, followed by a further hike in October<\/li>\n<li><span class=\"\">Both NAB and CBA think it will happen in <\/span><a href=\"https:\/\/www.commbank.com.au\/articles\/newsroom\/2021\/06\/rates-to-rise-in-2022.html\" target=\"_blank\" rel=\"noopener\">November 2022<\/a><\/li>\n<\/ul>\n<p><span class=\"\"><br \/>\nAs such, these lenders \u2013 and many others \u2013 have already <\/span><a href=\"https:\/\/www.news.com.au\/finance\/economy\/interest-rates\/banks-raising-fixed-mortgages-despite-rba-not-lifting-interest-rates\/news-story\/51bef02d00ffcbdac5a2516526dd9492\" target=\"_blank\" rel=\"noopener\">started increasing their fixed rates<\/a>. And it\u2019s likely the trend will continue given the speculation<\/p>\n<p>This leads us to the obvious question: is now the time to fix?<\/p>\n<p>The pros and cons of fixing your home loan<\/p>\n<p>A fixed-rate home loan lets you lock in an interest rate for a set timeframe \u2013 typically between one and five years. This:<\/p>\n<ul class=\"defaultList\">\n<li>Protects you should rates subsequently rise<\/li>\n<li>Helps with budgeting as your monthly repayments stay the same during the fixed period<\/li>\n<\/ul>\n<p>That said, fixed-rate home loans can be inflexible. For example, you may:<\/p>\n<ul class=\"defaultList\">\n<li>Be limited to the number of extra repayments you can make without penalty<\/li>\n<li>Have to pay break fees if you want to refinance during the fixed period<\/li>\n<\/ul>\n<p>What\u2019s more, fixed-rate home loans typically don\u2019t come with features such as offset accounts and redraw facilities that can save you money in the long term.<\/p>\n<p>Should you fix your home loan?<\/p>\n<p>As every borrower is different, there isn\u2019t one answer. That\u2019s why it can be a good idea to speak to an expert broker like Just Imagine Finance. We can help you weigh up the pros and cons, so you can decide whether a fixed-rate loan is right for you.<\/p>\n<p><span class=\"\"><br \/>\nGet a free consultation with Just Imagine Finance to find out if fixing is the right move for you by emailing <\/span><a href=\"mailto:catherine@justimaginefinance.com.au\" target=\"_blank\" rel=\"noopener\" type=\"email\">catherine@justimaginefinance.com.au<\/a><span class=\"\"> or calling 0414 673 359.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last year, Australia saw some of the lowest home loan rates in history. But, sadly, once you\u2019ve hit rock bottom&hellip; <a class=\"more-link\" href=\"https:\/\/justimaginefinance.com.au\/?p=391\">Continue reading <span class=\"screen-reader-text\">Is it time to fix your home loan\u2019s interest rate?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":392,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is it time to fix your home loan\u2019s interest rate? - Just Imagine Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/justimaginefinance.com.au\/is-it-time-to-fix-your-home-loans-interest-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is it time to fix your home loan\u2019s interest rate? - Just Imagine Finance\" \/>\n<meta property=\"og:description\" content=\"Last year, Australia saw some of the lowest home loan rates in history. But, sadly, once you\u2019ve hit rock bottom&hellip; Continue reading Is it time to fix your home loan\u2019s interest rate?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/justimaginefinance.com.au\/is-it-time-to-fix-your-home-loans-interest-rate\/\" \/>\n<meta property=\"og:site_name\" content=\"Just Imagine Finance\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-19T06:00:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-15T03:02:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/justimaginefinance.com.au\/wp-content\/uploads\/2023\/09\/Computer_Loan-1920w.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"427\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Catherine Salat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Catherine Salat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/justimaginefinance.com.au\\\/is-it-time-to-fix-your-home-loans-interest-rate\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/justimaginefinance.com.au\\\/is-it-time-to-fix-your-home-loans-interest-rate\\\/\"},\"author\":{\"name\":\"Catherine Salat\",\"@id\":\"https:\\\/\\\/justimaginefinance.com.au\\\/#\\\/schema\\\/person\\\/0196e21a5c25abbea83a527a6f27db8d\"},\"headline\":\"Is it time to fix your home loan\u2019s interest rate?\",\"datePublished\":\"2023-09-19T06:00:24+00:00\",\"dateModified\":\"2025-07-15T03:02:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/justimaginefinance.com.au\\\/is-it-time-to-fix-your-home-loans-interest-rate\\\/\"},\"wordCount\":593,\"publisher\":{\"@id\":\"https:\\\/\\\/justimaginefinance.com.au\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/justimaginefinance.com.au\\\/is-it-time-to-fix-your-home-loans-interest-rate\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/justimaginefinance.com.au\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/Computer_Loan-1920w.webp\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/justimaginefinance.com.au\\\/is-it-time-to-fix-your-home-loans-interest-rate\\\/\",\"url\":\"https:\\\/\\\/justimaginefinance.com.au\\\/is-it-time-to-fix-your-home-loans-interest-rate\\\/\",\"name\":\"Is it time to fix your home loan\u2019s interest rate? 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