Spilt Loan Calculator

Spilt Loan Calculator
This calculator will help you compare what your repayments will be if you have a fixed rate for all or some of your home loan. A split loan facility is a combination loan structure, where part of your loan is put in a fixed rate loan product and the other part is put into a variable rate loan product. The main advantage of a split loan is that it gets the best of both worlds – your fixed repayments are predictable, while your variable repayments can still get smaller if interest rates fall. This also allows you to benefit from loan features such as offset account and re-draw facilities on the variable portion of your loan, while keeping the repayment certainty on the fixed portion of your loan.
Splitting your home loan between variable and fixed interest rates at different amounts can make a big impact on the cost of your monthly repayments. However not every financial institution offers a split loan option. We recommend engaging a broker to help ensure you are match with the correct loan product best suited to your needs. * The calculator below has been provided in good faith as a guidance tool only. Results are not financial advice, are a guide only, and are not a guaranteed outcome or quote. Borrowers should always discuss their individual situation with an Australian Credit Licensee or authorised Credit Representative.

Starting the Home Buying Process

01.
Save For A House Deposit Or Ask Family For Help
There are several ways to secure your new home, from actual cash savings to guarantor loans or family gifts. Get in touch with me for more details
02.
Work Out What You Can Afford To Borrow
By entering your income and expenses into my calculators, you can determine your borrowing capacity and eligibility before you even begin your property search.
03.
Research The Market And Find Your Best Rate
As a financial broker, I have the ability to compare hundreds of loan products from over 20 accredited lenders, helping you find the best options that suit your needs.
04.
Start Searching For Your New Home
Now that you know your borrowing capacity and estimated repayments, you can confidently begin searching for your new home, fully aware of your price range.

Contact The Wandering Broker

I'm available in the office Monday to Friday, from 8am to 4pm. Outside of these hours, including weekends and public holidays, my office will be unattended, and my emails will not be monitored. If you need to reach me urgently during this time, please send a text message to the mobile number below, and I'll get back to you as soon as I can.
Preferred contact type
contact
Kelly Bowles - The Wandering Broker Mobile: 0487 279 952 Email: info@thewanderingbroker.com.au Post: PO Box 7278 Loganholme QLD 4129 Disclaimer | Privacy Statement © Copyright 2025 The Wandering Broker all rights reserved.
Credit License
TWB CO PTY LTD trading as The Wandering Broker Australian Credit Representative Number: 555660 ABN: 97 238 027 627 ACN: 673 504 008 Kelly Bowles, trading as The Wandering Broker, is authorised as a Australian Credit Representative to engage in credit activities on behalf of Vow Financial Pty Ltd ABN 55 138 789 161 (Australian Credit Licence Number 390261).