What changed in the pipeline
The wave of pandemic fixed loans has mostly rolled off. The RBA reports the share of outstanding housing loans on fixed rates fell to a historical low of less than 5 per cent in 2025. So a fixed rate expiry campaign today is not a flood. It is a steady, small stream of people who fixed in the last couple of years and are now watching the cash rate, which rose to 4.35% in May 2026 and was held there in August.
The upside is that these enquirers are decided. The ABS counted 162,225 refinances in the June quarter of 2026, and a fixed term ending is the most common reason a borrower picks up the phone.
What a fixed rate expiry record carries
Timing is the record's spine. Everything else supports the first call.
- Current lender, fixed rate and the month the term ends
- Loan balance and a rough property value
- Whether they want to refix, go variable, split, or also release equity
- Employment type and any change in circumstances since the loan was written
- State and postcode, time stamp and consent record
Why speed decides this one
A borrower whose term ends next month is comparing now. The lead called back in ten minutes is a conversation about their options. The same lead called that evening is a conversation about the offer their bank already made. Delivery is live into your CRM. The callback is yours.
Related lead types
Enquirers who want to take equity out at the same time as refixing are covered under cash out refinance leads. The broader refinance record is under mortgage refinance leads.
Pricing
A fixed cost per lead agreed before the campaign runs, no retainer, no lock in. Each record is exclusive to you, verified by SMS and checked for duplicates. Invalid leads are reviewed within five business days and replaced or credited when confirmed.