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On the fence about whether a fixed-rate loan or variable rate loan is right for you? Perhaps a mix of the two might be the solution that suits your circumstances best. While we will chat through with you the options that you have available, you might like to try out our split loan calculator to start. Play around with the differences in repayment amounts and the interest payable over the life of the loan to work out what options works best for you.
A split loan means that your loan facility is structured in a way where part of the loan is on a fixed interest rate and the other is in a variable rate loan. This can offer the best of both worlds for you, by having a fixed amount that is predictable to help you manage payments, with the variable portion of the loan being able to reduce further if interest rates continue to drop.
Once you’ve made the decision that a split loan will work best for you working out the amount to fix can be a difficult choice. That’s where we can come in. Your mortgage broker will work with you to ensure you have the right combination of flexibility and security with your home loan.