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 options. Currently, most are choosing shorter terms to benefit from falling rates, a major reversal from a year ago.
This trend accompanies rising mortgage lending, driven by house purchases. Other key observations include:
- Stable uptake of interest-only loans.
- First Home Buyers dominating high LVR lending.
The decision to lock in longer rates will be a critical one for borrowers.
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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