Mortgage calculators
Split loan calculator
See how splitting your loan between fixed and variable could affect your repayments.
Results are estimates based on the figures you enter and the example rate shown. They aren't a quote, an offer of credit or a guide to what a lender will approve.
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Why split a loan?
A split loan fixes part of the balance for a set period and leaves the rest variable. The fixed portion gives repayment certainty for that period; the variable portion keeps flexibility such as unlimited extra repayments or offset, depending on the product. The sensitivity table shows how much of a rate change flows through to your repayment under each structure.
Things to keep in mind
Fixed periods end and revert to the lender's variable rate. Breaking a fixed loan early can incur significant costs. Rates in the table are illustrative, not lender offers; the fixed portion is assumed to stay at its rate throughout.
Calculations are estimates for general information only. They do not constitute a loan offer, credit approval or personalised financial advice. Actual repayments, fees, eligibility and savings depend on your lender, loan contract and circumstances. Speak with a qualified professional before making a decision.