Help guide
Honeymoon / introductory rates: revert risk
Teaser variable discounts that step up after 2–3 years—how to model the revert rate and fees before you feel clever saving $20/month early on.
Read the revert schedule
Know the non-discounted or reference rate adjustment post-honeymoon—model monthly repayments at revert, not intro.
Switching lenders later has costs—account for switching in total return.
Comparison traps
Short-term cashback may still lose if revert is ugly—stress test +3% on the revert base.
Plan as if honeymoon never existed for longer-term budgeting—revert shocks cause most distress.