Fixed Rate Review: When Should You Refinance?

If your fixed rate is expiring in the next 90 days, now is the time to review. Rolling onto your bank's default variable rate is rarely the best option.

Compare at least three lenders — rates, cash-back offers, and loan structure all matter. A 0.25% difference on a $500,000 loan saves $1,250 per year.

Consider splitting your loan across fixed terms to balance certainty with flexibility. We model scenarios to find the structure that fits your plans.