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 back to longer terms. Most are currently choosing floating rates or 6-12 month fixes to benefit from falling rates.
The main question is when borrowers will see value in longer-term fixed rates again, as these rates may not fall much further. Future Reserve Bank cuts may already be priced in. Lending activity is expected to grow, with DTI caps becoming 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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