Do you want to get updated with the latest insights on the fixed rate cliff so you can manage your mortgage effectively and avoid falling behind on your repayments?

Welcome to the Australian Property Investment Podcast. In each episode, we ask a guest expert to share their key insights for aspiring investors to make confident property choices.

In this solo episode, I walk you through a detailed breakdown of all the numbers and details involved in the fixed-rate cliff so you’ll be empowered to create a game plan to help you make the best possible decisions for your financial situation.

I also discuss how to tackle debt-to-income ratio issues, provide a clear illustration of where banks at with their percentage of fixed-rate loans, what your future repayments could look like on different loan tiers, what is a mortgage prisoner and how to get your interest rates as low as possible, and so much more!

If you want to better understand the potential risks and opportunities associated with the fixed rate cliff, then make sure to listen to this episode!

Time Stamps:
01:39Fixed Rate Cliff
05:46Debt to Income Ratio
08:20New Loan: Fixed or Variable
09:52Lender Exposure
13:17Interest Rate and Monthly Repayment
16:18Extra Repayments
18:392021 vs 2023 Interest Rate
21:21Mortgage Cliff
22:30Final Messages and Outro

About Our Host:

Aaron-Christie David is the founder of Atelier Wealth and a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years in financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron’s decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

  • Visit the website:
  • Follow Aaron on Facebook:
  • Follow Aaron on LinkedIn:
  • Subscribe to Atelier Wealth’s YouTube Channel:
  • Read my article on Smart Property Investment about how to tackle the looming ‘fixed-rate cliff’: