Split loan calculator
Part fixed, part variable. What the repayments look like, what happens when the fixed period ends — and how much of your repayment is protected if variable rates rise, which is usually the real reason to split.
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If it isn’t working, call0493 348 998and we’ll run the numbers with you — which is a better answer anyway, because we can use your actual situation.
Total monthly repayment
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During the fixed period
- Fixed portion
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- Variable portion
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- After the fixed period ends
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- If variable rates rise — this split
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- If variable rates rise — all variable
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- Total interest — this split
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- Total interest — all variable
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What a rate rise does to your repayment
Monthly repayment over the first years of the loan. An all-variable loan feels a rise straight away. The split feels it only on its variable share — until the dashed rule, where the fixed period ends and the fixed portion reverts to the higher rate.
A calculator can only tell you so much
These figures use general assumptions. What you can actually borrow depends on which lender you go to and how they assess your income — and that varies more than most people expect.