Feature article
Mortgage rate decisions a key theme for 2025
To fix or not to fix
AI summary
A key theme for the mortgage market is when borrowers will shift from short-term fixes and floating rates back to longer-term rates. Currently, most are choosing shorter terms to capitalise on falling rates, a major reversal from a year ago.
Mortgage lending has increased, driven by house purchases and active first home buyers, many using high LVR loans. The main question is when longer-term rates will offer value, as they may not fall much further. Keep an eye on DTI caps.
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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