Split Loan Calculator
A split loan divides your mortgage between fixed and variable rates so you get some rate certainty and some flexibility. The blended rate sits between the two; the variable portion typically retains offset and unlimited extra repayments.
Fixed monthly
$1,758
$300,000
Variable monthly
$1,806
$300,000
Total monthly
$3,565
Blended 5.92% p.a.
Frequently asked questions
What's a sensible fixed/variable split?
There is no universal answer. Common patterns are 50/50 (balanced certainty and flexibility), 70/30 fixed (favouring rate certainty), or 30/70 fixed (favouring offset flexibility). The right mix depends on your view of future rate moves and how much you save in offset month-to-month.