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If you don't fix your loan, your interest rate will move with changes to market interest rates. This means the interest rate can rise or fall over the term of your loan.

As a result, your repayments will 'vary' as the rate changes. Another option is to make a bet both ways by having a part fixed, part variable interest loan. A split loan allows you to manage some of the risks of interest rate rises while still being able to make extra repayments.

Whatever loan you decide to take out, it needs to work for you. That means the loan should have the features, flexibility and fees that are the most appropriate for your needs. Using MoneySmart's mortgage calculator they work out what their repayments will be for a fixed or variable rate loan:. The variable rate is tempting because they would pay less right now and have the flexibility to make extra repayments without fees. Matti and Adam know their budget will be tight over the next couple of years they plan to travel and get married and they think they will be stressed if there is a big jump in their mortgage payments.

They decide to fix two-thirds of their home loan for 3 years so they can still make extra repayments if they have extra money. No one can accurately predict how interest rates will move, so it's important to choose a loan with the features that work for you, and then get the best possible mortgage deal you can. Borrowing basics Car loans Consumer credit regulation Credit cards Debit cards Home loans Choosing a home loan Fees Fixed vs variable home loans Interest rates Interest-only mortgages Switching home loans Using a broker Managing debts Other types of credit Payday loans.

We make money by referring you to the best lender for your situation. However, of course there are some fees involved. This is a standard practice. The fastest possible turn-around is 4 hours. However, it can take up to 48 hours for the funds to appear in your account.

It depends on your bank. All Loans are subject to an assessment of suitability and affordability. We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

Contact your local community organisation to find out more. You can also talk to Centrelink to see if you can get any financial assistance or perhaps a low income concession card.

If you're eligible for Centrelink payments, you may be able to get an advance payment. The amount available varies depending on the type of payment you receive. For other payments, such as pensions, it is between 1 and 3 week's worth of payment. You'll have to pay this money back to Centrelink over 6 months, but it may help cover a temporary shortfall and you won't have to pay interest or fees. If you are struggling to deal with a number of bills or debts, see trouble with debt for advice.

If you don't have enough cash to pay for something upfront, paying for it a little at a time by renting it might seem like a good idea, but the weekly instalments can quickly add up and you could end up paying more than you bargained for. Rent vs buy calculator. There are better ways to get the money you need than borrowing money at high cost.

Check out all your options and avoid getting into debt. How no interest loans work Matched savings programs Having trouble paying your utility bills?

You can use NILS to buy: Indira bought a new washing machine with a NILS loan Indira couldn't afford to buy a new washing machine when her old one broke down. MoneySmart does not lend money ASIC's MoneySmart website does not lend money or arrange loans but is happy to answer your questions about loans and money.