When taking out a new home loan or refinancing one, you are asked to choose between a fixed-term and a variable rate loan. Both have their own unique benefits and challenges depending on your financial circumstances and personal preferences. This episode of Settlement Guide explains how fixed-term and variable home loans work.

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Katêk ke detewêt wam werbigrît bo xanu kirrîn , pirsîyarit lê dekrêt sebaret be 2 hellbijarde le nêwan rêjey sûdî 'fixed' yan 'variable'. Herdû başe û xrapey xoyan heye, ke demênête ser barûdoxî abûrî her takêk. Le em beşey Rênimayî Niştecêbûn da emane şî dekeyne we.