✂️ Split Loan Calculator
Calculate repayments on a split home loan — part fixed, part variable.
📝 Your Split Loan Details
Loan Details
Split Ratio
🔒 Fixed
50%
$300,000
📈 Variable
50%
$300,000
Interest Rates
After fixed period, fixed portion reverts to variable rate.
📊 Your Results
✂️
Enter your details and click calculate.
Combined Monthly Repayment
—
fixed + variable portions combined
Your Two Loan Portions
🔒 Fixed Portion
Amount—
Rate—
Repayment—
Fixed Period—
📈 Variable Portion
Amount—
Rate—
Repayment—
FlexibilityExtra repayments ✅
Total Loan—
Blended Interest Rate—
Total Interest—
Repayment After Fixed Reverts—
Payment Change at Revert—
📊 Compare Different Split Ratios
| Split | Fixed Amt | Var Amt | Monthly | Total Interest |
|---|
💡 Should You Split Your Home Loan?
🔒
Fixed Portion Benefits
The fixed portion protects against rate rises and gives payment certainty.
📈
Variable Portion Benefits
The variable portion allows extra repayments, offset access, and redraw flexibility.
⚖️
Common Split Ratios
Popular splits are 50/50, 60/40, or 70/30.
⚠️
Break Costs
Breaking the fixed portion early may trigger costs.
⚠️ Disclaimer: This calculator is for illustrative purposes only and does not constitute financial advice.
Compare Fixed and Variable Home Loans
Browse our expert guides to find the best rates available.