Calculators

Split loan calculator

Compare a fully variable loan against a fixed/variable split, and see how the combination affects your total repayments.

Loan details

Total loan amount

Loan term

years

Split

Percentage fixed

Fixed portion rate

Variable portion rate

Combined monthly repayment $0 Across both portions of your split loan

Fixed portion$0

Fixed repayment$0

Variable portion$0

Variable repayment$0

Fully variable comparison$0

Talk through my options Indicative only. Assumes constant rates for the full term, which real loans rarely have — variable rates move, and fixed terms typically run 1–5 years before reverting to variable.

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We can model different split ratios against your actual situation and risk appetite.

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