Home Loans

Split Loan Calculator (Australia)

Splits combine a fixed-rate portion (rate certainty) with a variable portion (flexibility — usually with offset, redraw and unlimited extras). The calculator returns the blended monthly repayment and the weighted average rate. Useful for clients hedging against rate moves: lock part of the loan against rate rises, keep the rest variable to take advantage of any cuts.

Split Loan
Model a split between fixed and variable portions of your home loan.
$600,000
$
50%
%
%
%
30 yr
yr
Fixed 50% ($300,000)
$1,777.49
Variable 50% ($300,000)
$1,894.23
Total Monthly
$3,671.72
If All Variable
$3,788.46
If All Fixed
$3,554.98
These results are indicative estimates only. They do not constitute financial advice. Actual repayments, costs, and savings may vary. Always verify with a licensed Australian mortgage broker.