Back to Home loans

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 (early repayment charge and ratelock break fees may apply).

How to re-fix

You may be able to re-fix online in your own time and find the latest available rates, if your home loan is due to roll off its fixed term within the next 60 days.

You can also arrange a callback and we can help talk through your options.