Fixed rate home loans offer stability and predictability, with a fixed interest rate for a set period. At Intuitive Finance, we help you secure the best fixed rate loan to suit your financial needs and goals, providing peace of mind with consistent repayments.
What are Fixed Rate Home Loans?
A fixed rate home loan is a type of mortgage where the interest rate remains the same for a predetermined period,
usually ranging from one to five years. This stability allows you to plan your finances with confidence, knowing that your
repayments will not change regardless of fluctuations in the market interest rates. Fixed rate home loans are ideal for
borrowers who prefer the certainty of fixed repayments and protection against interest rate increases.
ADVANTAGES
- Predictable Repayments: Your repayments remain the same throughout the fixed rate period, making it easier to budget.
- Protection from Rate Increases: Shield yourself from potential interest rate hikes during the fixed term.
- Financial Stability: Enjoy peace of mind with stable and predictable financial planning.
DISADVANTAGES
- Limited Flexibility: Fewer options for additional repayments and redraw facilities compared to variable rate loans.
- Break Costs: Potentially high fees if you need to break the loan before the end of the fixed term.
- Missed Rate Drops: If market rates fall, you won’t benefit from lower interest rates during the fixed period.
What’s Involved in Obtaining a Commercial Loan Through Intuitive Finance?
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
Complimentary Obligation-Free Consultation
Discuss your specific needs and discover the best financing options for you. Get in touch to
organise your complimentary 60-minute session today!
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Our Commitment to the Community
With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.