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Should You Choose a Fixed or Variable? Lender unveils lowest mortgage rate in Australia Westpac unveils rate changes for interest-only investor loans. – Westpac has announced that it will be slashing the rates of its standard variable-rate (SVR) home loans following the Reserve Bank of Australia’s decision to cut the official cash rate to 1.25% -however, just like its competitor ANZ, it will not pass on the full rate cut to its borrowers.Variable vs fixed rate student loans: Which Should You Choose? Understanding the basic concept of variable vs. fixed rate student loans if fairly simple. A variable interest rate will change periodically over the term of the loan whereas a fixed rate will not.

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