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Forgive my ignorance, if its fixed rate can't I access equity?. I always thought once property had some capital appreciation, use can get a line of credit or equity loan to purchase next property.

So does everyone think the rates are going north from this year end. From the reply I understand that 3-5 years is a good horizon. Does anybody recommend to go at max 5 years at the current rate, of course thinking the rates to climb back up ?.. Or the rates would rates would be steady for...

Good Evening All, I'm currently with the Newcastle Permanent Building Society Ltd for my first PPOR . Currently in building phase for my first house and have loan running for the land with them. I'm planning to fix the land part since the progressive loan towards the construction can't be...