Adjustable Rate Loans

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Providing a Flexible Future

Adjustable Rate loans start at a lower rate than Fixed Rate loans. They begin with a short fixed rate period of 3,5,7 or 10 years. After this the rates will adjust depending on the market, though there are caps as to how much a rate can increase in a year and over the full course of the loan. So while there is less consistency, they often offer a better rate over time.


  • Gives you a lower initial payment.
  • Typically allows you to pay less interest over the loan term.
  • Gives you flexibility to move or refinance in the future.

Ideal for:

  • People who move frequently.
  • People who may move to a bigger house in the near future.
  • People who are financially disciplined.
  • People who expect their income to increase.

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