A quick review now could save you thousands over the life of your loan
Union Shopper Finance
Fixed vs Variable:
What's right for you?
With interest rates moving over the past few years, many homeowners are asking the same question – should I fix my rate, stay variable, or look at a combination of both?
There’s no one-size-fits-all answer. What matters is a loan structure that suits your goals, lifestyle and future plans.
If it involves a loan… we can probably help.
THE BIG QUESTION
Should I fix, stay
variable, or split the
difference?
The reality is that there’s no one-size-fits-all answer. What matters is having a loan structure that suits your goals, lifestyle and future plans.
The lending market continues to evolve, with lenders regularly changing rates and introducing new offers. A quick review helps make sure your loan is still working as hard as you are – and that you’re not paying more than you need to.
WORTH A LOOK
It might be time for a review if…
- Your fixed rate is due to expire soon
- You haven't reviewed your home loan in the last 12 months
- You're unsure what interest rate you're currently paying
- You're planning renovations, investing or upgrading your home
- You want to make sure you're not paying more than you need to
WHY A REVIEW MATTERS
A quick review can help you…
- Understand whether fixed, variable or a split loan may suit your situation
- Ensure your interest rate remains competitive
- Check whether your current loan features still meet your needs
- Identify opportunities to reduce repayments or pay off your loan sooner
- Create a clear strategy for the next 12–24 months
MORE THAN THE INITIAL LOAN
We're here for the
long run - not just
the first signature.
We don’t just help you secure a loan and disappear. We’ll continue to review your lending position over time, helping ensure your loan stays competitive and aligned with your goals as your circumstances change.
WHAT WE HELP WITH
If it involves a loan… we can probably help
From your first review to your next big move, we’re across it all.
Home Loan Reviews
A fresh look at your current loan to check it’s still the right fit – and still competitive.
Refinancing
Switching lenders or restructuring to reduce repayments or unlock better features.
Fixed & Variable Rate Advice
Clear guidance on fixing, staying variable, or splitting – matched to your plans.
Investment Property Finance
Structuring finance to help you build and grow your property portfolio.
Debt Consolidation
Bringing debts together into one manageable structure to simplify your repayments.
Vehicle & Equipment Finance
Competitive finance for the car, ute or gear you need – sorted without the hassle.
WHY SPEAK TO US
Real advice from real people
No jargon, no upselling – just help that’s genuinely on your side.
We compare 60+ lenders
One conversation, a whole market of options weighed up for you.
Completely free for members
Our service is a Union Shopper member benefit – at no cost to you.
Start to finish, handled
We manage the process from the first chat right through to settlement.
Real people, no robots
You’ll deal with an actual human broker who knows your situation.
LET'S MAKE A PLAN
Book your free review
Whether you’re currently fixed, variable, or somewhere in between, now is a great time to review your options and make sure your loan is working as hard as you are.
- Understand your options
- Get a personalised lending strategy
- Completely free for Union Shopper members
Prefer to talk now? Call us on 1300 760 688.
We're here to help. Contact us
Union Shopper
1300 760 688
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