Fix, Float or Split? How We Talk About Rate Strategy in 2025
Choosing between a 1- or 2-year fix is really about balancing flexibility versus certainty: short terms or floating let you benefit faster if rates fall, while longer fixes give stable, predictable repayments. Often we split loans across different terms and, instead of guessing the market, focus on your cashflow, risk tolerance, and life plans so your structure feels comfortable whatever happens next.