{"id":20175,"date":"2020-08-06T11:01:00","date_gmt":"2020-08-06T01:01:00","guid":{"rendered":"https:\/\/www.purefinance.com.au\/?p=20175"},"modified":"2020-11-23T12:44:29","modified_gmt":"2020-11-23T01:44:29","slug":"the-potential-costs-of-breaking-a-fixed-home-loan","status":"publish","type":"post","link":"https:\/\/www.purefinance.com.au\/the-potential-costs-of-breaking-a-fixed-home-loan\/","title":{"rendered":"The potential costs of breaking a fixed home loan"},"content":{"rendered":"<img decoding=\"async\" class=\"aligncenter size-full wp-image-20182\" src=\"https:\/\/www.purefinance.com.au\/uploads\/2020\/08\/PF-BLog-images-1.png\" alt=\"\" width=\"2578\" height=\"1740\" srcset=\"https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1.png 1920w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-300x203.png 300w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-1024x691.png 1024w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-840x567.png 840w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-1720x1161.png 1720w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-992x670.png 992w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-768x518.png 768w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-544x367.png 544w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/08\/PF-BLog-images-1-400x270.png 400w\" sizes=\"(max-width: 2578px) 100vw, 2578px\" \/>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><em><span style=\"color: #000000;\"><b>This article was published by Savings.com.au<\/b><b>\u00a0<\/b><\/span><b><span style=\"color: #000000;\">and appears originally<\/span>\u00a0<\/b><\/em><span style=\"color: #50b8b1;\"><em><strong><a style=\"color: #50b8b1;\" href=\"https:\/\/www.savings.com.au\/home-loans\/the-potential-35-000-cost-of-breaking-a-fixed-home-loan\">here.<\/a><\/strong><\/em><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div id=\"rui-main-content\" class=\"primary\">\n<div class=\"main-container\" data-postid=\"481408\">\n<h3 class=\"lead\"><span style=\"color: #000000;\">With the Reserve Bank's cash rate cuts this year driving fixed interest rates on home loans down to historic lows, experts are warning borrowers about break fees.<\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #000000;\">A break fee is a charge borrowers face if they exit a fixed home loan early, and is usually a calculation based on the lender's wholesale funding rate at the time of the fix, and now.<\/span><\/p>\n<p><span style=\"color: #000000;\">The larger the difference between the wholesale funding rates, the larger the break fee is likely to be.<\/span><\/p>\n<p><span style=\"color: #000000;\">However, following multiple cash rate cuts down to a\u00a0historic low of 0.25% in March,\u00a0what was once a good rate only a year ago might now be mediocre, and the temptation to break out of a fixed loan\u00a0is strong, according to the experts.<\/span><\/p>\n<p><span style=\"color: #000000;\">Pure Finance managing director Brendan Dixon has seen a wide range of break fees with borrowers chasing a better deal.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cWe\u2019ve seen break fees ranging from a few thousand up to $35,000,\u201d he said.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cThe $35,000 example was someone who fixed for five years at 3.70%. At the time, it was a fantastic deal for the customers who were attracted to the low interest rate over a long period.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cThe world changed since then, and now fixed rates are as low as 2.19%.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cWhen this fee was compared to the potential savings possible with the new product, it didn\u2019t make sense to pay the break fee.\"<\/span><\/p>\n<p><span style=\"color: #000000;\">Due to the severity of the rate cuts, the cost of breaking the fixed term might not be as much as the potential savings\u00a0by\u00a0refinancing,\u00a0but borrowers will have to do their homework, according to Mr Dixon.<\/span><\/p>\n<p><span style=\"color: #000000;\">\"Conversely, some customers who are approaching the end of their fixed term might have a small fee payable which is counteracted by the savings of switching, and so it makes financial sense to pay the fee,\" he said.<\/span><\/p>\n<p><span style=\"color: #000000;\">\"The fixed loan is a two-way agreement between you and the bank. They will give you the rate you desire\u00a0but you have to stay in the product for the term.<\/span><\/p>\n<p><span style=\"color: #000000;\">\"Right now we are helping a lot of clients to assess the benefit of fixing and often clients are seeing the benefit.\"<\/span><\/p>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.savings.com.au\/home-loans\/the-potential-35-000-cost-of-breaking-a-fixed-home-loan\"><span style=\"color: #000000;\"><em><span style=\"color: #50b8b1;\"><strong>Keep reading...<\/strong><\/span><\/em><\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pure Finance + Savings.com.au<\/p>\n","protected":false},"author":90,"featured_media":20179,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,63],"tags":[287,288,329,259,261,182,140,38,39],"financial_goals":[],"class_list":["post-20175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-media","tag-ethical-finance","tag-finance-for-good","tag-fixed-home-loan","tag-fixed-rate-home-loan","tag-fixed-rates","tag-mortgage-advice","tag-mortgage-broker","tag-pure-finance","tag-sydney"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The potential costs of breaking a fixed home loan | Pure Finance<\/title>\n<meta name=\"description\" content=\"Brendan shares his thoughts with savings.com.au on the potential costs of breaking a fixed home 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