Split Loan Calculator

Split loans are an advanced strategy used to help borrowers attain the best monthly repayments suited to their personal circumstances. This means that a portion of your principal is split between a variable interest rate loan (usually with an offset) and a fixed interest rate loan (which is usually at a lower rate). It also allows for some future proofing if interest rates drop further or conversely minimises the impact of any interest rate increases.


The challenge is finding the optimal portion to split your loan between variable and fixed amounts. Our split loan calculator below can help estimate and visualise the total monthly repayments before and after a fixed interest rate portion of your loan ends. If you need help working out the optimal split, contact us using the form below and we will glady help find you the best split with the lenders most suited to your situation.


You can also check out our other calculators which can help you build up greater understanding of everything you need to know before you take out a loan.

Can't find the optimal split between fixed and variable interest rates?

Don’t worry, we know it’s a challenge as you’re trying to balance between how much money you want to put in an offset and also the likelihood of an interest rate drop (or increase!). Our brokers can help assess your financial situation and financial goals to help recommend the best lenders and most optimal split to minimise your overall monthly repayments. Contact us today for a free assessment!

We are a 100% independent mortgage broker and we will always put our customers first! Fill out the form and speak with us today!


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