Split Loan Calculator
Model a fixed and variable split across one total home loan balance.
An estimate is the beginning.
Change the inputs, compare the result and download a branded report—then verify important decisions against actual lender policy and your complete circumstances.
Fixed and variable split calculator
Model one loan balance divided between fixed and variable portions.
Download this calculation as a PDF.
The report includes the figures currently shown, Rockvale Finance contact details, the calculation assumptions and an important disclaimer.
Results are estimates only and do not constitute credit, financial, tax or legal advice. They exclude some fees and may use simplified assumptions. Actual repayments, borrowing capacity, tax, costs and eligibility depend on lender or government rules and your complete circumstances.
Turn the estimate into a better question.
A split loan combines fixed and variable portions. It may balance repayment certainty with access to selected variable-rate features.
- 01Enter the total loan amount
- 02Choose the percentage to fix
- 03Enter indicative fixed and variable rates
- 04Review the combined repayment and blended rate
Important considerations.
- Fixed portions can have break costs
- Offset availability may apply only to part of the loan
- Rates can change before settlement or fixed-rate lock
- The cheapest rate is not always the most suitable structure
What split percentage should I choose?+
There is no universal percentage. Consider the repayment certainty needed, likely extra repayments, offset use, future changes and tolerance for variable rates.
Can I change the split later?+
Potentially, but refinancing, variation, fixed-rate expiry or break costs may be involved.