Have you fixed your home loan? Yes or No?

[Judd]

We did not fix our loan. Didn't see the need as we put up 46% as a deposit and paid the loan off as if we borrowed the 100%. Mind you that was in 1988 when interest rates went to around 17%: completely different to today's environment.

 

[bloggs_oz]

When I initially got my loan 3 years go, I split it into half fixed and half variable. The loan was through the commonwealth bank, and our fixed rate was 6.5%. Wish I had've gotten a longer fixed period (but these decisions are always obvious in hindsighed)...

Now that our fixed period is expiring, I'm going to move to the lender with the lowest fixed rate and fees (which appears to be onedirect, owned by ANZ). I'm going to split my loan again, and it looks like I'll be getting a 4 year fixed loan @ 7.94% - which I think is great in our current environment.