If you’ve wondered whether to fix, stay variable, or run a split - this one’s for you. We break down the real drivers of your interest rate, from LVR tiers and credit score to product choice and lender appetite. You’ll hear when a basic loan beats a package, how offsets shave years off your term, and why keeping repayments steady after a rate cut can save a fortune. Clear, practical, and built for Australian borrowers who want confidence at every step.