Fixed Rate Home Loans That Give You Peace of Mind
Fixed Rate Loans
At iChoice Central Coast, we know financial stability is everything when it comes to managing your home loan. A fixed rate loan gives you peace of mind with repayments that don’t change — no surprises, no stress — so you can plan your budget with total confidence.
What’s a Fixed Rate Loan?
A fixed rate loan means your interest rate is locked in for a set period (usually 1–5 years). That means your repayments stay exactly the same, no matter what the market or Reserve Bank decides to do. It’s predictability you can bank on — especially valuable when interest rates are climbing or the economy feels uncertain..
Advantages of Fixed Rate Loans
Budget certainty – your repayments stay the same, making it easier to manage household finances without nasty surprises.
Protection from rising rates – if the market goes up, your loan doesn’t. You’re shielded from interest rate hikes for the entire fixed term.
Confidence in planning – perfect if you value stability or have big life events and investments on the horizon..
Things to Consider
Less flexibility – extra repayments are often capped, and breaking the loan early can mean fees.
No benefit if rates drop – if interest rates fall, your repayments stay fixed, which could cost you more in the long run.
Is a Fixed Rate Loan Right for You?
The choice between fixed and variable comes down to your personal goals and circumstances. At iChoice Central Coast, we don’t just hand you a loan, we get to know your situation and give you clear, tailored advice so you can make the call with confidence.
Why Choose iChoice Central Coast?
Personalised service that’s all about you – we take the time to understand your goals and match you with the right loan strategy.
Expert guidance you can trust – backed by Jason Khoury and his award-winning team, we stay across the market so you always get the smartest advice.
End-to-end support – from your first chat to settlement day (and beyond), we’re right there with you, keeping the process clear and stress-free.
Ready to find the right loan with the right team? Let’s get started today.
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