What happens at the end of my fixed rate home loan period?

We know you might be feeling the pinch right now with the rising costs of day to day living. The thought of rolling off your lower interest rate may be scary or overwhelming, and it might be hard to think how you'll manage your expenses and still do the things you enjoy like travel or dinner with friends.

Rest assured there are things you can do to help reduce the impact when your repayments increase at the end of your fixed term, and a few ways you can reach out if you need extra support.

Here’s what you can do right away:

• Check if you still have the right home loan for your situation
• Consider debt consolidation to save on interest if you have personal loans or credit cards
• Review your expenses and use our budgeting calculator
• Make changes to your repayment frequency or type
• Use your offset accounts to reduce the interest you pay.

And of course, you can get in touch with a Home Lending Specialist to talk about your interest rate, flexible payment options, or other ways we can help you. It’s a good idea to get independent financial advice too.

If you have any concerns about your situation, contact us as soon as possible so we can support you – we're here to help.