587 | Higher Interest Rates: Fix, Float or Hold Your Nerve?

Rates are back in the spotlight… and with them comes the big question: 

👉 Should you fix your loan? 

In this episode, Ben sits down with mortgage experts Luke Oxenham and Kirsty “KD” Dunphey to unpack what rising interest rates actually mean for: 

• Borrowing power 
• Mortgage jail 
• Fixed vs variable decisions 
• Investor strategy in a rising-rate cycle 

Because just because the bank says you can borrow it… doesn’t mean you should. 

Free Stuff Mentioned 

•  LIMITED TIME: Free Audiobook – How to Retire on $3K a Week
  If you haven’t started it yet (or you’re halfway through 😉), this is your reminder. The full audiobook is available free on our podcast feed, but only until 18 March. After that, it comes down.
  ⏳ Don’t miss your chance to listen before it disappears. 
• 🎧 Exchanges with Evan Lucas: The Inner Workings of the RBA with Sarah Hunter, Chief Economist and Assistant Governor (Economic) at the Reserve Bank of Australia.
• 📊 Breaking News: Capital Gains Tax Reform 
• 🏡 Breaking News: Negative Gearing Changes?
• 🌏 International Women’s Day on 8 March! 
• 🎙 New Friday Series: The Money Stuff We Don’t Talk About 
  We’re launching a brand-new Friday mini-series to help you get to know the Couch Crew a little better! First theme: “The Hill I’ll Die On.”  
  👉 Keep an eye out each Friday on your podcast feed. 
   

LISTEN TO THE FIRST 20 EPISODES HERE >>

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Chapters

• 0:00 587 | Higher Interest Rates: Fix, Float or Hold Your Nerve?
• 2:00 Housekeeping: Audiobook Deadline + Big 3 Topics for 2026
• 6:40 Why Interest Rates Are Back in the Spotlight
• 9:40 Straight From the RBA: How Inflation Is Now Measured
• 13:40 Mortgage Jail Explained
• 15:44 Borrowing Power & Buffers: What Really Moves the Needle
• 19:54 One Lender or Many? Strategic Structuring for Investors
• 23:44 Fixed vs Variable: Should You Lock It In?
• 26:24 – The Emotional Side of Fixing
• 28:14 Partial Fixing & Hedging Risk
• 29:35 15-Year Interest-Only Terms: Smart or Risky?
• 32:14 Stress Testing Your Portfolio
• 34:54 The Big Summary: Case-by-Case Decisions (Stop Listening to Uncle Barry)
• 37:44 Overleveraging Risk: Luck vs Skill in Property Wins
• 42:14 Opportunity in Rising Rate Markets
• 44:44 Plan Before You Buy
• 46:54 Patience, Time & Buffett Wisdom
• 57:34 International Women’s Day!
• 59:44 Friday Spin-Off Tease: “The Hill I’ll Die On” Series