{"id":39,"date":"2023-09-20T01:42:18","date_gmt":"2023-09-20T01:42:18","guid":{"rendered":"https:\/\/www.breakthruhomeloans.com.au\/?page_id=39"},"modified":"2023-09-25T21:25:47","modified_gmt":"2023-09-25T21:25:47","slug":"standard-variable-fixed-rate-loans","status":"publish","type":"page","link":"https:\/\/www.breakthruhomeloans.com.au\/services\/standard-variable-fixed-rate-loans\/","title":{"rendered":"Standard Variable &#038; Fixed Rate Loans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"39\" class=\"elementor elementor-39\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1563d0a e-flex e-con-boxed e-con e-parent\" data-id=\"1563d0a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81a2b7b elementor-widget elementor-widget-spacer\" data-id=\"81a2b7b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420971a elementor-widget elementor-widget-heading\" data-id=\"420971a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Standard Variable & Fixed Rate Loans<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6777d94 elementor-widget elementor-widget-spacer\" data-id=\"6777d94\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95d3c15 e-flex e-con-boxed e-con e-parent\" data-id=\"95d3c15\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73091a9 elementor-widget elementor-widget-spacer\" data-id=\"73091a9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-275e75f elementor-widget elementor-widget-text-editor\" data-id=\"275e75f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>One of the best reasons to get a home loan through a mortgage broker is because they can help search for the best home loan fixed rates and variable rates in Australia.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d81ec9e elementor-widget elementor-widget-text-editor\" data-id=\"d81ec9e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Before we explore how variable and fixed interest rate home loan products work, and their pros and cons, it\u2019s important to note that there\u2019s no one \u2018best\u2019 option.<\/p><p>That\u2019s because the type of home loan that suits a single first home buyer with a limited income may be very different to the type of home loan that suits a middle-age couple with several properties and a large household income.<\/p><p>It\u2019s also important to note that the best mortgage deals are not necessarily the ones with the lowest home loan fixed rate or variable rate. Sometimes, a higher-rate loan may be a better option for a borrower if it:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f07c92b elementor-widget elementor-widget-text-editor\" data-id=\"f07c92b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>&#8211; Comes with a higher chance of approval<br \/>&#8211; Has lower overall borrowing costs (due to lower fees)<br \/>&#8211; Has more flexible loan features (such as an offset account)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b233cf2 elementor-widget elementor-widget-text-editor\" data-id=\"b233cf2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>So while every borrower wants low rates \u2013 whether they\u2019re taking out a variable home loan or a fixed interest rate home loan \u2013 the interest rate is just one of the factors to consider when searching for the best mortgage deals in the market.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d120ad2 e-flex e-con-boxed e-con e-parent\" data-id=\"d120ad2\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-84dded4 e-con-full e-flex e-con e-child\" data-id=\"84dded4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6452686 elementor-widget elementor-widget-image\" data-id=\"6452686\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"515\" height=\"537\" src=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-6.png\" class=\"attachment-large size-large wp-image-262\" alt=\"\" srcset=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-6.png 515w, https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-6-288x300.png 288w\" sizes=\"(max-width: 515px) 100vw, 515px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8cd34cd e-con-full e-flex e-con e-child\" data-id=\"8cd34cd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff40f42 elementor-widget elementor-widget-heading\" data-id=\"ff40f42\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Home loan variable interest rates explained<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3edc829 elementor-widget elementor-widget-text-editor\" data-id=\"3edc829\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A variable home loan is one whose interest rate the lender can change at any moment, for any reason.<\/p><p>Lenders move interest rates up and down on a regular basis, so if you take out a variable home loan, it\u2019s almost certainly a case of when rather than if your interest rate will change.<\/p><p>That\u2019s great if the interest rate market is trending down, because it means your home loan rate should decrease.<\/p><p>Conversely, though, if the market is trending up, your variable rate is likely to increase.<\/p><p>Given that variable rates can experience large fluctuations over the course of a 30-year home loan, it\u2019s generally a good idea to have reasonable financial buffers in place, so you can keep making your repayments even if your rate increases by several percentage points.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-767ad1c e-flex e-con-boxed e-con e-parent\" data-id=\"767ad1c\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d96be3d e-con-full e-flex e-con e-child\" data-id=\"d96be3d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f76a24 elementor-widget elementor-widget-heading\" data-id=\"8f76a24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Home loan fixed interest rates explained<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dc558b elementor-widget elementor-widget-text-editor\" data-id=\"0dc558b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>While your interest rate can change at any time if you have a variable loan, your rate is set in stone if you have a fixed loan \u2013 at least during the fixed period.<\/p><p>Some lenders offer home loan fixed rate terms of as long as 10 years, but the most common terms are of between one and five years.<\/p><p>The great thing about a fixed rate home loan is that you know exactly what your monthly repayments will be during the fixed term, which makes budgeting straightforward.<\/p><p>Another benefit of choosing a fixed interest rate home loan is that if the interest rate market is trending up, you won\u2019t have to pay higher rates.<\/p><p>But that comes with an obvious disadvantage \u2013 if the interest rate market is trending down, you won\u2019t get a rate cut.<\/p><p>Also, historically, home loan variable rates have, on average, been lower than home loan fixed rates. So if you choose a fixed rate home loan, you may pay more in interest over the life of your loan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa3ad8c e-con-full e-flex e-con e-child\" data-id=\"fa3ad8c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-672dec1 elementor-widget elementor-widget-image\" data-id=\"672dec1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"531\" height=\"669\" src=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-7.png\" class=\"attachment-large size-large wp-image-263\" alt=\"\" srcset=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-7.png 531w, https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-7-238x300.png 238w\" sizes=\"(max-width: 531px) 100vw, 531px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd69686 e-flex e-con-boxed e-con e-parent\" data-id=\"fd69686\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-49558a8 e-con-full e-flex e-con e-child\" data-id=\"49558a8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb9b18b elementor-widget elementor-widget-image\" data-id=\"eb9b18b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"515\" height=\"514\" src=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-8.png\" class=\"attachment-large size-large wp-image-264\" alt=\"\" srcset=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-8.png 515w, https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-8-300x300.png 300w, https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-8-150x150.png 150w\" sizes=\"(max-width: 515px) 100vw, 515px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-306616a e-con-full e-flex e-con e-child\" data-id=\"306616a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cc2e6f elementor-widget elementor-widget-heading\" data-id=\"9cc2e6f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Split loans explained<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bd8078 elementor-widget elementor-widget-text-editor\" data-id=\"6bd8078\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>There\u2019s one other interest rate option you might not have heard of \u2013 a split loan.<\/p><p>A split loan is when you make a certain percentage of your home loan variable and a certain percentage fixed.<\/p><p>Some borrowers prefer this option, because it allows them to aim for the best of both worlds.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1561a8b e-flex e-con-boxed e-con e-parent\" data-id=\"1561a8b\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9af2b74 e-con-full e-flex e-con e-child\" data-id=\"9af2b74\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d2529a elementor-widget elementor-widget-heading\" data-id=\"5d2529a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Variable v fixed v split home loan<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3b3340 elementor-widget elementor-widget-text-editor\" data-id=\"c3b3340\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Not sure whether a variable interest rate or fixed rate home loan or split loan is right for you?<\/p><p>At Breakthru Home Loans, we\u2019ve helped lots of borrowers answer this question over the years.<\/p><p>We\u2019ll help you crunch the numbers and compare options, so you can be confident you\u2019re getting a home loan that\u2019s suitable for you.<\/p><p>We\u2019ll then scour the market to try to find you the best fixed rate home loans or best variable rate deals for your unique situation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60cfef1 e-con-full e-flex e-con e-child\" data-id=\"60cfef1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c194851 elementor-widget elementor-widget-image\" data-id=\"c194851\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"515\" height=\"514\" src=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-9.png\" class=\"attachment-large size-large wp-image-265\" alt=\"\" srcset=\"https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-9.png 515w, https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-9-300x300.png 300w, https:\/\/www.breakthruhomeloans.com.au\/wp-content\/uploads\/2023\/09\/Mask-group-9-150x150.png 150w\" sizes=\"(max-width: 515px) 100vw, 515px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4e5ace e-flex e-con-boxed e-con e-parent\" data-id=\"d4e5ace\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-feb14d8 elementor-widget elementor-widget-heading\" data-id=\"feb14d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Looking for a home loan? Based on your unique circumstances, Breakthru Home Loans will try to find you some of the best mortgage deals in the market. 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