Before helping you make a choice between a fixed or variable rate loan, we must be aware of your circumstances and objectives. What’s right for one person may not be right for the next. Additionally, we only recommend a product based on what you say is important to you. For example, “pay my loan off quickly” or “guaranteed repayments”. We cannot determine which loan is right for you without a full understanding of your financial circumstances. This is what we mean when we talk about ‘personalised service’!