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TAKEN out a fixed-rate home loan any time since 1990? Chances are your efforts to out-manoeuvre the Reserve Bank of Australia's rate rises have cost you thousands of dollars.
According to research, a massive 83 per cent with fixed-rate home loans have ended up worse off than their counterparts who have variable loans.
Analysing Reserve Bank data since 1990, mortgage provider QuickDirect compared basic variable rates and the big banks' average three-year fixed rate every month to 2004.
A fixed-rate loan taken out in late 2000 would have cost $47,250 in interest over three years, as opposed to just $43,260 on a variable -- saving almost $4000.
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