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Split loan calculator

How would it work to split my loan?

It’s important to consider all your options when choosing a home loan – including the option to split your loan between fixed and variable interest rates. Lucky for you, this calculator will help you figure out whether splitting your loan is something you should consider.

You’ll be able to explore what your repayments and interest would be, and experiment with what proportion of fixed versus variable would be right for you.

Check out our award-winning home loans

Our award-winning home loans are always evolving to meet and anticipate your needs. Flexible and uncomplicated with the lowest possible rates, home loans with us are refreshingly fuss-free.

liteBlue Variable Rate home loan

5.99% p.a.^

liteBlue variable rate owner occupied <60% LVR

6.00% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • $199 application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term

myBlue Fixed Rate home loan

5.79% p.a.^

myBlue 1 year fixed rate owner occupied <60% LVR

6.06% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • No application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term
  • Up to eight 100% interest offset accounts

myBlue Variable Rate home loan

6.09% p.a.^

myBlue variable rate owner occupied <60% LVR

6.09% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • No application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term
  • Up to eight 100% interest offset accounts

Things you should know

Rates, fees and charges and other information correct as at 15 October 2024 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Download a copy of our Owner occupier home loan rates and/or our Investor home loan rates.

Access our Home Loan Key Facts Sheet.

^ Interest rate is only available to owner-occupied loans on liteBlue and myBlue principal and interest repayments with less than or equal to 60% Loan to Value Ratio (LVR). Interest rates for investment loan purposes, interest only loans and other applicable LVR tiers will differ.

^^ Comparison rate based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.