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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 (or revert) to at the end of the fixed term period or an interest-only period. You can find Tiimely Own home loan current roll-to rates on our rates page.

Variable rates are by definition variable in nature and depend on the cost of funding at the relevant time. Depending on when your fixed period commenced, 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 period notifying you of the roll-to rate and the applicable date.

There are a couple of options you may wish to pursue depending on your roll-to date:

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

Depending on your situation, you could let it roll to the roll-to rate. Variable rates are variable in nature and likely to move so it’s worth keeping an eye on your rate and shopping around, so you know what's on offer when the time comes to move on.

You're rolling to a higher variable interest rate

You could get a head start on negotiations 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

Fixing again may be your preference if you're someone who likes to know exactly how much to budget for loan repayments, or fixed interest rates are low when you roll off so it makes sense to lock in again. Either way, fixing will help you secure your interest rate and give you certainty around your repayments.


You’ve come to the end of your fixed rate term and there are a couple of features and add-ons you feel could help make life a bit easier. Need an offset account or redraw facility this time around? Or want to consolidate some debt to free up cash flow? Maybe you just want to make sure you’ve got the hottest rate going? Start researching so you can get onto a better deal as soon as possible.

Found in:

  • Loan features
  • Home loans explained

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Legal things 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.