Banks won't tell you if you're better off with a fixed-rate mortgage. But strong evidence shows most borrowers will lose when they bet against the bank by settling on a three-year fixed rate. With expectations building that RBA rates may rise, fixed rates seem attractive once more, but you need to know why the odds are against you.

Stuart Wemyss of the Prosoluton Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

You fix, you lose: here's the data over two decades
The new APRA lending limits
How non-banks will now rush the mortgage market
Pressure mounts on CGT for residential investments

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Why fixing your mortgage rate means you will lose money