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 to longer-term rates. Currently, most favour floating or 6-12 month fixes to capitalise on falling rates, with only 10% of new loans fixed for over a year.
However, longer-term rates may not fall much further, as potential Reserve Bank policy easing is likely already priced in. This presents a crucial decision for borrowers weighing certainty against potential future drops.
Expect DTI caps to become a more common discussion point.
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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