{"id":79954,"date":"2021-12-11T04:44:23","date_gmt":"2021-12-10T17:44:23","guid":{"rendered":"https:\/\/timesnewsgroup.com.au\/bendigotimes\/?p=79954"},"modified":"2022-02-27T11:22:28","modified_gmt":"2022-02-27T00:22:28","slug":"whats-going-on-with-interest-rates","status":"publish","type":"post","link":"https:\/\/timesnewsgroup.com.au\/bendigotimes\/real-estate\/whats-going-on-with-interest-rates\/","title":{"rendered":"What\u2019s going on with interest rates"},"content":{"rendered":"

Banks are increasing their fixed rates and decreasing their variable rates. What does that mean for home loans applicants?<\/strong><\/p>\n

In the last month, sixteen lenders have increased their fixed-rate home loans, including all big four banks.<\/p>\n

The ANZ was the last of the big four to jump on the bandwagon announcing that changes to its fixed rates were coming into effect on 12 November.<\/p>\n

The Commonwealth Bank of Australia\u2019s increase to a selected number of its home loans came into effect on 5 November with some rates rising by 65 basis points or 0.65 per cent.<\/p>\n

Westpac has increased its fixed-rate home loan three times in the last month.<\/p>\n

At the time of writing, its one and two-year fixed rates had risen by 0.25 per cent, its three-year fixed rate by 0.30 per cent, its four-year fixed rate by 0.20 per cent and its five-year fixed rate by 0.10 per cent.<\/p>\n

Fixed interest rates across NAB\u2019s fixed home loan portfolio rose by up to 51 basis points, or 0.51 per cent, for the fifth time in 2021.<\/p>\n

On the other side of the coin, we are seeing several lenders drop their variable home loan rates.<\/p>\n

For example, ING Australia has recently confirmed it would be reducing the variable rates to a select range of its owner-occupier and investors loans. The changes came into effect on 11 November.<\/p>\n

ME Bank has recently confirmed it was implementing cuts to the variable rate of its Flexible Home Loan with Member Package.<\/p>\n

This trend of increasing fixed rates and dropping variable rates might be rooted in the growing speculation that the cash rate will soon increase.<\/p>\n

A cash rate is the interest rate the Reserve Bank of Australia charges commercial banks for loans.<\/p>\n

Although the Reserve Bank of Australia confirmed that the cash rate would remain at 0.1 per cent for November, these fixed-rate hikes indicate that most lenders believe Australia\u2019s cash rate could rise earlier than expected.<\/p>\n

What does that mean for home loan applicants? Let\u2019s review a few things first, shall we?<\/p>\n

First off, what is a variable interest rate?<\/p>\n

A variable interest rate is a loan with an interest rate that is influenced by market conditions. If cash rates go up, so do your repayments. If they go down, your repayments will, too.<\/p>\n

So, what\u2019s is a fixed interest rate?<\/p>\n

That name says it all. Fixed-rate loans will have a \u2018locked\u2019 rate for a certain period, usually between one and five years.<\/p>\n

With a fixed interest loan, you will know exactly how much your repayments will be. These types of loans offer certainty and security.<\/p>\n

The downside is that your repayments won\u2019t decrease if interest rates fall.<\/p>\n

Now, you might be thinking, \u201cSo, if the banks believe Australia\u2019s cash rate will rise, I should lock in my fixed rate right now.\u201d<\/p>\n

Well, not exactly. Unfortunately, there is never a one-size-fits-all answer when it comes to financial decisions.<\/p>\n

There are various factors you need to take into consideration, such as available options to your financial and personal circumstances.<\/p>\n

 <\/p>\n

– BY LEIGH DELEDIO<\/strong><\/em><\/p>\n

DIRECTOR, UFINANCIAL<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Banks are increasing their fixed rates and decreasing their variable rates. What does that mean for home loans applicants? In the last month, sixteen lenders have increased their fixed-rate home loans, including all big four banks. The ANZ was the last of the big four to jump on the bandwagon announcing that changes to its […]<\/p>\n

Read More…<\/a><\/p>\n","protected":false},"author":199,"featured_media":79955,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"tags":[],"post_folder":[],"class_list":["post-79954","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate"],"acf":[],"yoast_head":"\nWhat\u2019s going on with interest rates - Bendigo Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/timesnewsgroup.com.au\/bendigotimes\/real-estate\/whats-going-on-with-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What\u2019s going on with interest rates - Bendigo Times\" \/>\n<meta property=\"og:description\" content=\"Banks are increasing their fixed rates and decreasing their variable rates. 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