Rates & Loan Structures

Loan pricing and structure affect how lending risk is assessed and managed over time.

This section explains how common rate types and loan structures work in practice, and how lenders assess their risk implications.

These pages focus on mechanics, not recommendations.

Topics Covered

• Fixed Rates Explained
• How fixed rates work, including lock-in periods, break costs, and policy implications.
• Variable Rates Explained
• How variable pricing operates and how lenders assess flexibility and risk.
• Interest-Only Lending
• How interest-only periods are assessed, extended, or restricted.
• Offset vs Redraw
• Structural differences and how lenders treat each for risk and servicing.
• Split Loans
• How mixed structures are assessed and managed.

Reference Material

Where relevant, these pages may include:

• explanatory diagrams or audio
• original lender or aggregator fact sheets, provided unchanged and for reference only

General information only. No personal advice is provided.