Split Loan Calculator
Calculate your split home loan repayments with fixed and variable rate portions.
Split Home Loan Calculator
Divide your loan between fixed and variable rates to balance stability and flexibility
Understanding Split Loans
What is a Split Loan?
A split loan divides your home loan into two portions: one with a fixed interest rate for payment certainty, and another with a variable rate for flexibility. This strategy lets you hedge against rate movements while keeping options open.
Benefits of Fixed Portion
- Predictable repayments for budgeting
- Protection if interest rates rise
- Peace of mind with locked rate
- Easier financial planning
Benefits of Variable Portion
- Unlimited extra repayments allowed
- Benefit when rates drop
- Access to redraw facility
- Offset account availability
Choosing Your Split Ratio
- 70/30 Fixed: Maximum stability, less flexibility
- 50/50: Balanced approach for most borrowers
- 30/70 Variable: More flexibility, higher rate risk
- Consider your risk tolerance and goals