Staring at two tabs at night Fixed on one screen. Variable on the other. And no idea which one won’t come back to bite you later. In 2025, heaps of Australians are stuck on the same question. Do I lock it in or stay flexible? Here’s how most people are leaning 👇 Fixed = certainty. Your repayments stay the same. Great if your budget is tight and predictability matters. Variable = flexibility. Extra repayments, easier refinancing, and quicker wins if rates drop again. And the option most people f
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