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Your refixed rate renewal

Watch to find out what you need to do next.

As your fixed-rate term approaches renewal, we understand the significance of this decision and the impact it has on your financial future.

Your best next steps...

The guide below provides valuable advice from your adviser, guiding you through this important phase. Whether you're considering changes to your home loan or continuing with the current terms, the following action points will help you make an informed decision.
Review adviser's guidance:
Take the time to read through the attached letter, which outlines your adviser's advice. It covers your options and essential considerations to help you make the best decision for your financial situation.
Please note that this advice is general in nature and may not suit your specific needs and goals.  If you need tailored advice, please contact your adviser directly.
Consider lump sum repayment, refinancing, or a top-up:
Reflect on whether making a lump sum repayment, refinancing, or exploring a top-up aligns with your financial goals. Evaluating these options now empowers you to make well-informed choices.
Evaluate plans for property:
If you have plans to sell your property or make significant changes to your home loan, be mindful of potential break fees if you end your fixed-rate term early.
Understanding these implications will help you plan ahead.
Be aware of rolling onto a variable rate:
If you do not arrange your refix, there is a risk of rolling over onto a variable rate, which may be higher and subject to fluctuations.
Being aware of this risk helps you act proactively to avoid unexpected rate changes.
Contact us:
If you need personalized advice tailored to your unique circumstances or options, don't hesitate to reach out to your adviser.
If you have decided on your course of action, our experienced admin team is ready to assist and will liaise with the bank to arrange everything for you.
Our team
Renewing your fixed rate is a significant decision, shaping the stability of your home loan and your financial well-being. By carefully considering the above action points and seeking professional guidance as needed, you can confidently navigate this phase.
Remember, we are here to support you, so please do not hesitate to reach out if you need assistance. Thank you for entrusting us with your home loan needs!

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