Choose the Interest Rate That Works for You

Fixed Interest Rate

  • Ideal if you want stability in your monthly payments.
  • Protects you from potential rate increases for a set period (3, 5, or 10 years).
  • You’ll know exactly what you’ll pay each month—great for financial planning.
  • After the fixed period ends, the loan switches to a variable rate.
  • For first-home or holiday-home loans, you can lock in a fixed rate for up to 25 years, ensuring complete predictability.

Note: If market rates drop, the fixed rate won’t adjust.

Variable Interest Rate

  • Suitable if you can handle fluctuations in monthly payments.
  • Lets you benefit from possible reductions in market interest rates.
  • Your instalment may increase or decrease during the loan term.

What Influences Interest Rates?

Rates change based on factors like:

  • Central Bank monetary policy
  • Inflation and economic growth
  • Market supply and demand for money
  • Global economic trends and investor expectations

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We currently do not offer any consumer finance service(s)/product(s),  such as loans of any nature and/or  investment services of any nature to persons in the United Kingdom. The information provided in relation to these service(s)/product(s) is neither directed at nor intended for persons in the United Kingdom and should not be acted upon by any such persons.

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