Feature article
Mortgage rate decisions a key theme for 2025
To fix or not to fix
AI summary
The key mortgage decision for 2025 is whether to fix long-term or stay short. Most borrowers currently favour short-term fixes or floating rates to capitalise on falling interest rates, a significant shift from last year.
A central question is when borrowers will see value in longer-term fixed rates again, as these may not fall much further. Future Reserve Bank policy easing is likely already priced in. Expect Debt-to-Income (DTI) caps to become more prominent.
However, there are a number of other interesting aspects to these figures:
Which brings us to the key question facing borrowers: to fix or not to fix?
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