Combination Split Loan Calculator

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Split Home Loan Calculator

Splitting your home loan into fixed and variable rate portions reduces the impact of any interest rate changes. Use this calculator to calculate your repayments and total interest under different fixed and variable rate scenarios.

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Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. It is advised that you consult your financial adviser before taking out a loan.

Calculator Assumptions

Length of Month

All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days’ interest dependent on the number of days in the particular month.

Number of Weeks & Fortnights in a Year

One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of Amount of Each Repayment

In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts.

More information and home loan help

For more information on how and where to find a better home loan deal from an extensive panel of Australian banks and secure mortgage lenders, or to speak to your local area mortgage expert, contact us on 13 94 62 (direct +61 2 9249 3739)

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*Warning: Rates are subject to change without notice. Full terms and conditions and schedule of fees are set out in the lender's relevant loan contracts and comparison schedules. Government charges and taxes may apply. Honeymoon rates are classified as those that last for a minimum of 6 months and then revert to a higher rate. Fixed rates are for a two year term.