Fixed Rate Expiry Calculator
Calculate what happens when your fixed rate ends. Compare your options and plan ahead for rate changes.
Your Current Loan Details
Compare Your Options
Enter your current loan details to see how different rate scenarios would affect your repayments.
These calculations are estimates only. Actual rates and repayments will depend on lender assessment and current market conditions.
What Happens When Your Fixed Rate Expires?
Automatic Reversion
When your fixed term ends, most loans automatically revert to the lender's standard variable rate. This rate is often higher than competitive variable rates in the market, so it's worth reviewing your options before expiry.
Your Options
- • Stay on variable: Enjoy flexibility to make extra payments and potentially benefit if rates fall
- • Re-fix with current lender: Lock in a new fixed rate without changing banks
- • Refinance: Move to a new lender for better rates or features
- • Split your loan: Fix a portion and keep the rest variable
When to Act
Start exploring your options 3-6 months before your fixed rate expires. This gives you time to compare lenders, gather documents, and complete any refinance before your rate changes.
Get In Touch!
Ready to take the next step? Our team is here to help you navigate your financial journey. Reach out today for a free consultation.
300 Barangaroo Avenue, Sydney NSW 2000