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Re-fixing your loan

When your home loan comes to the end of its fixed interest rate period, you have a few options to consider including re-fixing your home loan, or changing to a variable (floating) rate.

If you choose not to re-fix, your home loan will automatically switch to a standard variable rate the day after your fixed term ends^. Find out more about fixed and floating home loans.

If you’re planning to re-fix your loan, you can choose to ‘lock’ in (ratelock) any current fixed interest rate for up to 60 days before your loan comes to the end of its fixed rate term (ratelock break fees may apply). 

How to re-fix

If your home loan is due to roll off its fixed term within the next 60 days, you may be able to re-fix online and find the latest available rates. You can also arrange a callback and we can help talk through your options.