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What is a roll-to rate?

A roll-to rate, also known as a revert rate, is a variable interest rate that fixed rates roll to at the end of the fixed term or an interest-only period. You can find Tiimely Own home loan current roll-to rates here.

Variable rates are changeable and depend on the cost of funding at the particular time and depending on when your fixed period started, you may have a low or high roll-to rate.

What happens at the end of my fixed term period?

Depending on your lender, you may receive a reminder closer to the end of your fixed term notifying you of the roll-to rate and the applicable date.

Depending on your roll-to date, there are a couple of options you may consider:

If you're rolling to a variable interest rate that is lower than your current rate

Depending on your situation, you could let your interest rate roll to the roll-to rate. Variable rates are variable in nature and likely to move so it’s worth understanding your rate and knowing what's on offer when the time comes to move on.

You're rolling to a higher variable interest rate

It’s possible to negotiate with your current lender or start shopping around for a home loan to suit your needs, otherwise known as refinancing. There are pros and cons so make sure your new home loan meets your requirements.

Fix again

There is also the option to fix your rate again if you like to know exactly how much to budget for loan repayments, or if the fixed interest rates are low when you roll off.


At the end of your fixed rate term, there may be a couple of features and add-ons you’d like to have, like an offset account or redraw facility. Or perhaps you want to consolidate some debt to free up cash flow.
It pays to start researching so you can secure a better deal as soon as possible.

Found in:

  • Loan features
  • Home loans explained

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Legal information about our rates
Our home loans are subject to credit criteria and eligibility requirements. Home loan interest rates are for new customers only and can change. Our comparison rates are based on a $150,000 loan amount over a 25 year term. They factor in fees associated with applying for the loan; ongoing fees and fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Tiimely Turnaround
^Our turnaround times are up to 2x faster than the industry, based on a comparison of our average platform submit to approval time compared to industry submit to approval time, published here  (June 2023). Customer turnaround times are dependent on individual circumstances and may require an assessor to obtain more information.

Our trade mark
Tiimely is a registered trademark of Tiimely Pty Ltd.