Is a split rate home loan better for me?

You can split the amount you borrow into an amount that is charged a fixed interest rate, and an amount that is subject to a variable interest rate. Use this calculator to compare what your repayments will be if you use a fixed rate against all or some of your home loan.

Why use a split rate?

A split rate loan combines the features of a fixed rate loan and a variable rate loan. By selecting a fixed interest rate for a portion of your loan you are essentially limiting the risk of your bet on the variable rate. The variable rate portion gives you the flexibility to make the additional repayments not generally allowed on a fixed rate.


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