Mortgage Broker Coffs Harbour | Coffs Harbour Home Loans

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Mortgage broker Coffs Harbour

Home to the iconic Big Banana, Coffs Harbour is a popular coastal holiday destination, but also a fantastic place to settle down with your family. With pristine beaches on one side and a national park on the other, there’s certainly no shortage of beautiful scenery to enjoy and plenty of walking paths to keep you occupied. Restaurants serving everything from casual fish and chips to elegant fine dining are available all around the area, as well as cafes, shops, and all your essentials - you’ll never need to leave. A friendly community atmosphere is the cherry on top in this wonderful area, and local activities are a great way to get to know your new neighbours.

In 2023, the median house and apartment price in Coffs Harbour were $750,000 and $536,500 respectively. Talk to Matt Fynch if you’re considering purchasing a home in the region to discuss your home loan goals.

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Fixed vs variable home loans

When you’re selecting a home loan, you will likely be able to choose between a fixed rate structure and a variable rate structure. Both types of loans have their benefits and pitfalls, and your decision should be based on your own circumstances.

If you choose a variable loan, you gain

More flexibility
Often, more features are available
The potential to lower your rate with market fluctuations

However, you are also left vulnerable to rate rises and uncertainty.

On the other hand, a fixed rate allows you

Repayment certainty
Security during rate rises

Though these loans usually include higher fees and fewer features.

Matt, as your Coffs Harbour mortgage broker, can guide you to make an informed decision with his expert advice - just talk to him today to get started.