Why a Mortgage Broker Is Your Best Mate When Rates Are High

Interest rates in 2025 still got you sweating? You’re not alone. Plenty of first home buyers (and even seasoned ones) are wondering if they’ve missed the boat — or if buying now is still smart.

Here’s the truth: your best move isn’t timing the market. It’s working with someone who knows how to navigate it. Enter: your local mortgage broker. Even better — enter Nude.

🔍 What’s Going On With Interest Rates in 2025?

Rates have climbed since their historic lows. But that doesn’t mean you’re out of options.

• Some lenders are discounting for new borrowers

• Introductory rates and cashbacks are back

• Government schemes are still in play

🧠 Why Brokers Thrive in High-Rate Markets

This is when brokers shine. We:

• Compare 30+ lenders to find hidden gems

• Know which banks are being flexible on policy

• Negotiate better rates on your behalf

It’s our job to find opportunities — even when the market’s tough.

📊 Strategy Over Speculation

We help you:

• Understand your borrowing power

• Structure your loan for flexibility

• Lock in or split rates if it suits your goals

• Use offset/redraw features to reduce interest faster

Buying in a high-rate market isn’t bad — buying without a strategy is.

👥 Real Client Story: Brooke in Coburg

Brooke was nervous about rising rates but ready to buy. Her bank offered her a 6.55% fixed loan.

We:

• Found her a split loan: part fixed at 5.99%, part variable

• Added full offset and fee waivers

• Structured it to support her plan to renovate next year

“It wasn’t just about getting a loan — it was a full strategy session. That made all the difference.”

📈 Should You Fix, Float or Split?

We break down:

• Pros and cons of each option

• What lenders are offering right now

• How to mix loan types to give you both certainty and flexibility

✅ Rates High? That’s When Brokers Work Harder.

You don’t have to do this alone.

👉 [Book your home loan strategy chat with Nude Home Loans]