Pitch Engine
The Times


.

Fixed or variable mortgage? The choice of home loan isn't as simple as you might think

  • Written by Kevin Davis, Emeritus Professor of Finance, The University of Melbourne
Fixed or variable mortgage? The choice of home loan isn't as simple as you might thinkShutterstock

In times like these, when there is great uncertainty about what will happen to interest rates, borrowers get lots of advice about whether to go fixed or variable. Unfortunately, a lot of it is not well founded.

For example, anyone who tells you to lock a fixed rate mortgage now before rates rise, is basically talking rubbish.

The idea...

Read more: Fixed or variable mortgage? The choice of home loan isn't as simple as you might think

More Articles ...

  1. What will the fuel excise cut save you? Not as much as the Treasurer says
  2. Despite record job vacancies, Australians shouldn't expect big pay rises anytime soon – and here's why
  3. More permanent skilled visas are a big deal. The government is heading in the right direction
  4. Labor's budget reply goes big on aged care, similar on much else
  5. Inflation has already eroded tomorrow's minimum wage rise – NZ’s low-income workers will need more support
  6. A cost-of-living budget: cuts, spends, and everything you need to know at a glance
  7. Josh Frydenberg’s budget is an extraordinary turnaround – but leaves a $40 billion problem
  8. Budget 2022: Frydenberg has spent big – but on the whole, responsibly
  9. This budget, amid talk of deficits, consider the lessons we ought to have learned
  10. 5 maps that show why free public transport benefits the affluent most
  11. Cut emissions, not petrol tax; fund childcare, not beer. What economists want from next week's budget
  12. Stability and security: the keys to closing the mental health gap between renters and home owners
  13. Why Australia's Reserve Bank won't hike interest rates just yet
  14. Are Russia's elite really using cryptocurrency to evade sanctions?
  15. The ACCC is suing Meta for celebrity crypto scam ads on Facebook. Here's why the tech giant could be found liable
  16. The Greens' liveable income guarantee is a serious idea the major parties won't touch – yet
  17. As federal government spending on small transport projects creeps up, marginal seats get a bigger share
  18. Building the Ventilation Revolution would clear indoor air, helping our kids and older Australians breathe easier
  19. Battered but not broken: how global trade is responding to Russia’s invasion of Ukraine
  20. To really address climate change, Australia could make 27 times as much electricity and make it renewable
  21. 5 interview questions for the next RBA deputy governor
  22. What is petrol excise, and why does Australia have it anyway?
  23. With COVID restrictions easing, should Black professionals have to return to hostile workplaces?
  24. Turning supermarkets into public utilities could be the solution to New Zealand's grocery problem
  25. It's time Australia dumped its bureaucratic list-based approach to temporary work visas
  26. It's hard to find a case for a cut in petrol tax – there are other things the budget can do
  27. Russia's war on Ukraine is driving up wheat prices and threatens global supplies of bread, meat and eggs
  28. After the floods, the distressing but necessary case for managed retreat
  29. From field to store to plate, our farmers are increasingly worried about climate change
  30. Vital Signs: what the neoliberalism-hating left should love about markets
  31. Game of Loans: the Reserve Bank loses its heir apparent to Fortescue's green fund
  32. As the Commerce Commission found, there’s no magic way to make NZ supermarkets more competitive
  33. Boycotting Russian products might feel right, but can individual consumers really make a difference?
  34. Higher petrol prices hurt, but cutting the fuel excise would harm long-term energy security
  35. One in 1,000 years? Old flood probabilities no longer hold water
  36. Putin’s biggest mistake of the Ukraine war? Trusting the Western financial system
  37. The immigration numbers bidding war is pointless – there are limits to how many migrants Australia can accept
  38. Even Google agrees there's no going back to the old office life
  39. Behind the ‘inclusive’ window dressing, the NZ-UK free trade deal disappoints politically and economically
  40. Vital Signs: Australia's hairdressing-based economic recovery can't last
  41. Russian sanctions are biting harder than it could have imagined, and it'll get worse
  42. After the floods comes the disaster of underinsurance: we need a better plan
  43. Wednesday's GDP numbers are impressive, but they are for the December quarter, when we were bouncing back from Delta
  44. As petrol prices rise, will carbon emissions come down?
  45. Shortages, price increases, delays and company collapses: why NZ needs a more resilient construction industry
  46. Vital Signs: stealth tax rises are eating into your income – but we know the solution
  47. Older women often rent in poverty – shared home equity could help some escape
  48. What Russia's war means for Australian petrol prices: $2.10 a litre
  49. Australia is creating an underclass of exploited farm workers, unable to speak up
  50. Why insecure work is finally being recognised as a health hazard for some Australians
hacklink hack forum hacklink film izle hacklink online casinos australiaonwinonline casino australiaDeneme bonusu veren siteler 2026Matbetjojobet girişbetparkjojobetcratosroyalbettürk pornotarafbetcasibomgrandpashabetlunabetjojobetjojobetagen bolabahis siteleriholiganbetcasibomlunabetvaycasinolimanbet