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Split Loan Calculator

Compare fixed and variable rate splits to find the optimal strategy for your home loan repayments.

Split Loan Repayments

Fixed and variable portions are amortised over the same loan term (P&I). When the fixed-rate period ends, the fixed portion's balance reprices to the variable rate for the remaining term. Home loan repayment calculator

1. Your details

Loan term
yrs
Loan amount
$
Repayment frequency
▼
Fixed portion of loan
$
Fixed rate period
yrs
Fixed rate
% p.a.
Variable rate
% p.a.

2. Results

Total monthly repayments$2,100.85/ month
Fixed monthly repayments$92.36
Variable monthly repayments$2,008.49
Total monthly repayments$2,100.85
Total interest payable$406,306.66
Total cost of loan$756,306.66
For a variable rate only loan, the interest payable would be$405,433.66
Split loanVariable only
Monthly repayment$2,100.85$2,098.43
Total interest$406,306.66$405,433.66

Note: Results are indicative estimates based on your inputs. Variable rates may change over the life of the loan. This model assumes the variable rate stays constant and that, after the fixed period, the outstanding fixed balance reprices to the current variable rate for the remaining term. Always confirm with your lender or mortgage broker before making financial decisions.

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