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