587 | Higher Interest Rates: Fix, Float or Hold Your Nerve?
from The Property Couch
Rates are back in the spotlight… and with them comes the big question: 👉 Should you fix your loan? In this episode, Ben sits down with mortgage experts Luke Oxenham and Kirsty “KD” Dunphey to unpack what rising interest rates actually mean for: Borrowing power Mortgage jail Fixed vs variable decisions Investor strategy in a rising-rate cycle Because just because the bank says you can borrow it… doesn’t mean you should. Free Stuff Mentioned LIMITED TIME: Free Audiobook – How to Retire on $3K a Week If you haven’t started it yet (or you’re halfway through 😉), this is your reminder. The full audiobook is available free on our podcast feed, but only until 18 March. After that, it comes down. ⏳ Don’t miss your chance to listen before it disappears. 🎧 Exchanges with Evan Lucas: The Inner Workings of the RBA with Sarah Hunter, Chief Economist and Assistant Governor (Economic) at the Reserve Bank of Australia. 📊 Breaking News: Capital Gains Tax Reform 🏡 Breaking News: Negative Gearing Changes? 🌏 International Women’s Day on 8 March! 🎙 New Friday Series: The Money Stuff We Don’t Talk About We’re launching a brand-new Friday mini-series to help you get to know the Couch Crew a little better! First theme: “The Hill I’ll Die On.” 👉 Keep an eye out each Friday on your podcast feed. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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What this episode covers
Rates are back in the spotlight… and with them comes the big question: 👉 Should you fix your loan? In this episode, Ben sits down with mortgage experts Luke Oxenham and Kirsty “KD” Dunphey to unpack what rising interest rates actually mean for: Borrowing power Mortgage jail Fixed vs variable decisions Investor strategy in a rising-rate cycle Because just because the bank says you can borrow it… doesn’t mean you should. Free Stuff Mentioned &...
Chapters
- 0:00 587 | Higher Interest Rates: Fix, Float or Hold Your Nerve?
- 2:00 Housekeeping: Audiobook Deadline + Big 3 Topics for 2026
- 6:40 Why Interest Rates Are Back in the Spotlight
- 9:40 Straight From the RBA: How Inflation Is Now Measured
- 13:40 Mortgage Jail Explained
- 15:44 Borrowing Power & Buffers: What Really Moves the Needle
- 19:54 One Lender or Many? Strategic Structuring for Investors
- 23:44 Fixed vs Variable: Should You Lock It In?
- 26:24 – The Emotional Side of Fixing
- 28:14 Partial Fixing & Hedging Risk
- 29:35 15-Year Interest-Only Terms: Smart or Risky?
- 32:14 Stress Testing Your Portfolio
- 34:54 The Big Summary: Case-by-Case Decisions (Stop Listening to Uncle Barry)
- 37:44 Overleveraging Risk: Luck vs Skill in Property Wins
- 42:14 Opportunity in Rising Rate Markets
- 44:44 Plan Before You Buy
- 46:54 Patience, Time & Buffett Wisdom
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