No, but timing matters.

You can fix your home loan at almost any time, as long as your current loan allows it. The real question isn’t can you, it’s should you.

Fixing now may give you certainty and protect you from further rate rises. But fixed rates are set based on where lenders think rates are heading, not where they are today.

That means you could end up locking in at a higher rate than what variable loans might offer in the future.

If rates rise from here, fixing can look smart. If rates stabilise or fall, you may pay more than you needed to.

Most borrowers don’t need an all-or-nothing decision. A split loan (part fixed, part variable) can give you both certainty and flexibility.

With Holo, you can see fixed and variable options side-by-side and understand exactly what each path looks like before you commit.

Short answer, Yes. Most people should at least check.

If you haven’t reviewed your loan in 12–24 months, there’s a strong chance you’re overpaying.

Holo lets you compare refinance options in minutes and shows exactly how much you could save.

There’s no one-size-fits-all answer.
Fixed rates give certainty. Variable rates give flexibility.

Holo shows both options side-by-side so you can make a clear, informed decision based on your goals, not guesswork.

Traditional brokers and banks can take weeks.

With Holo, you can go from “just looking” to “application-ready” in under an hour and move fast when the right property comes up.

Yes. With Holo, most customers get an application submitted to a lender same day.

You input your details once, and we assess you across multiple lenders. No paperwork, no back-and-forth.

Your borrowing power depends on your income, expenses, debts, and interest rates—not just your salary. Most people can borrow less than they think once real living costs are factored in.

With Holo, you can see your true borrowing power in minutes—across 40+ lenders, not just one bank.

Rates vary based on your profile, income, deposit size, loan type, and risk.

The rate you see advertised is rarely the one you get. Holo shows you your real options based on your situation, not generic headline rates.

You can buy with as little as 5% in some cases—but it comes with trade-offs like lenders mortgage insurance (LMI).

A 20% deposit avoids LMI, but isn’t essential.

Holo helps you understand the smartest path for your situation, not just the “ideal” one.

Most borrowers underestimate this.

You’ll need to factor in stamp duty, legal fees, inspections, and lender costs.

Holo breaks down your total upfront costs clearly so there are no surprises.

No. Checking your options through Holo does not impact your credit score.

We only proceed with a formal application (which may affect your score) when you’re ready.

Because your bank only shows you their option.

Holo shows you the market.

Most people don’t realise how limited their current loan is until they compare it properly.

Holo is built for speed, clarity, and control.

You can compare lenders, get conditional approval, and understand your options all from your phone (though we do think its more of a laptop job), in under an hour.

No pressure. No confusion. Just better decisions.