1
Set the reminder
Tell me the month and year your fixed rate ends, and how to reach you. That is the whole job for today.
Know before your fixed rate rolls over
When a fixed rate ends, the loan does not wait for you to notice - it rolls onto a rate the lender chooses. Tell me when yours ends and I will check your position about three months before that date, then get in touch with an honest read. Free, no obligation, and you can opt out any time.
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John Carson-Zangor - Residential Mortgage Broker, Nectar Mortgages. Based in Bethania, Logan, serving Brisbane, Ipswich, the Gold Coast and Australia-wide by phone and video. Credit representative 537545 of QED Credit Services Pty Ltd, Australian Credit Licence 387856.
Last reviewed: July 2026
What actually happens when a fixed rate ends
Nothing dramatic, which is exactly the problem. The loan quietly reverts to a variable rate your lender sets - usually called the revert rate. You did not choose it and you did not negotiate it. Some people land somewhere reasonable; plenty only find out where they landed when the repayment changes. Either way, a decision about one of the biggest debts in your life gets made without you in the room. There is no big red warning before it happens - which is why this page exists.
Why about three months before, not after
The window that matters is before the expiry date, not after it. With a few months in hand there is time to see what your current lender will offer, compare it properly, and make a calm decision - stay, negotiate or move - while every option is still open. It is also enough runway for the most underrated move in home lending: asking your current lender for a better deal, with somewhere else to go if the answer is no. After the rate rolls you can still fix things, but you are doing it while paying a rate you never agreed to.
How the reminder works
2
I check your position
About three months before your rate expires, I look at where you stand and whether a review is worth your time.
3
You get an honest read
A call or an email with what I found. If the right answer is to do nothing, that is what I will tell you.
Fixed-rate reminder questions
What happens after I set the reminder?
John makes a note of when your fixed rate ends. About three months before that date, he checks your position and gets in touch with an honest read: whether a review is worth your time, whether it is worth asking your current lender to do better, or whether the smartest move is to do nothing. If doing nothing is the right answer, that is what he will tell you.
Is this free? Is there any obligation?
Yes, it is free, and no, there is no obligation. Setting the reminder does not commit you to anything and does not involve a credit enquiry. If you change your mind, reply to any message or call John and the reminder is cancelled - no questions asked.
What if I have already refinanced, or my expiry date changes?
Just tell John and he will update or cancel the reminder. If you have re-fixed and have a new expiry date, set a fresh reminder for the new date using the same form. It is a heads-up service, not a contract.
Already past the expiry date?
If your fixed rate has already rolled over, a reminder will not help - but a refinance review will. And if you would rather have your whole loan position looked at once a year, whatever rate you are on, that is what the annual loan review is for.
General information only, not credit advice. Your circumstances, lender criteria and responsible lending requirements apply. John Carson-Zangor is an authorised credit representative (Credit Representative Number 537545) of QED Credit Services Pty Ltd (Australian Credit Licence Number 387856).
A human mortgage process
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John Carson-ZangorDirect help from a residential mortgage broker based in Bethania, Logan.