Yes! In 2025, rising interest rates are drawing attention to the benefits of fixed-rate mortgages. Many borrowers are choosing fixed rates for their predictable monthly payments and long-term stability. While variable-rate options may offer flexibility, especially if rates decline, fixed-rate loans provide peace of mind in today’s shifting financial environment. It’s all about finding the right fit for your financial comfort and long term goals.

Mortgages
What impact are rising interest rates having on fixed vs variable rate mortgages in 2025?
Answered by
Jack Milleer
| 3 days ago
3 Answers
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Are mortgage options in Australia still supporting homeownership goals in 2025?
Answered by
James Miller
| 1 week ago
1 Answer
Absolutely. With competitive lending rates, digital applications, and flexible repayment structures, Australians continue to access home loans tailored to their financial goals. Government incentives and refinancing options have also empowered first-time buyers and upgraders alike, keeping housing aspirations within reach despite market fluctuations.
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How can investors identify potential risks before participating in an IPO in 2025?
Answered by
Isabel Rayn
| 2 weeks ago
1 Answer
Many companies launching IPOs are in their early stages of growth and may not yet be profitable. Investors should assess the company's path to profitability and its ability to generate sustainable earnings in the future. A company without clear profit potential could be riskier in the long term.
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What distinguishes a principal and interest loan from an interest-only mortgage?
Answered by
Mark Robert
| 2 weeks ago
1 Answer
A principal and interest loan involves regular repayments that cover both the original loan amount (principal) and the interest charged. Over time, this reduces the loan balance until it is fully repaid. In contrast, an interest-only mortgage requires payments that cover only the interest for a set period, with no reduction in the loan principal during that time. After the interest-only term ends, repayments typically increase as both principal and interest become payable. The key difference lies in how each structure affects repayment amounts and loan balance over time.
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With the RBA cutting rates in 2025, are ASX mortgage stocks like CBA and ANZ still a good buy, or are they overvalued now?
Answered by
Sarah Thomas
| 2 weeks ago
3 Answers
CBA has indeed reached record highs, surpassing $181 per share and achieving a $300 billion market cap. This surge is attributed to reduced performance in resource stocks, attracting offshore investors to financials. However, some analysts argue that CBA is significantly overvalued, with concerns about its high valuation despite stagnant earnings growth.
ANZ, on the other hand, has been actively growing its lending book in New Zealand and Asia, which could prove advantageous if lower rates stimulate corporate investment. While both banks have their strengths, it's essential to consider the broader economic context and potential risks associated with interest rate changes.
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How might rising mortgage stress affect ASX-listed banking and real estate stocks?
Answered by
Jacob
| 2 weeks ago
4 Answers
Yes, elevated mortgage stress can significantly influence ASX-listed companies, particularly banks like CBA (ASX: CBA), Westpac (ASX: WBC), and NAB (ASX: NAB). Higher default risk or delayed repayments tend to raise provisioning levels, which may pressure profit margins. It can also lead to more conservative lending practices, slowing credit growth.
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How can someone start investing with no prior knowledge or experience?
Answered by
Elex James
| 2 weeks ago
2 Answers
Starting to invest without prior knowledge may seem overwhelming, but it becomes manageable with the right guidance and reliable information. The key is to begin with clear, structured insights that explain market concepts, trends, and opportunities in simple terms.
Personally, I found Kalkine to be the best resource when I was new to investing. I subscribed to their reports, and they provided comprehensive, easy-to-understand research that guided me through the process. The recommendations and market breakdowns were incredibly helpful, and I’ve seen great results since following their reports. Kalkine’s guidance helped me make informed decisions and build confidence as I entered the market.
For beginners, using such trusted, research-backed services can make a significant difference in understanding where to start and how to move forward with clarity.
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