Split Loan Optimiser Variable vs Fixed Rate Strategy

Loan Parameters

Split Strategy Analysis

Fixed Portion
$375,000
50% at 5.55% for 2 years
Variable Portion
$375,000
50% at 5.94%
Combined Monthly Payment
$4,375
Principal & Interest
Interest Breakdown
  • Fixed Interest: $395,756
  • Variable Interest: $429,193
  • Total Interest: $824,948
Potential Savings
$33,437
vs. fully variable loan
Strategy Recommendation

Great strategy! You could save $33,437 in interest compared to a fully variable loan.

Important: Fixed portion reverts to variable rate after 2 years. This analysis shows indicative costs assuming current rates are held for the full loan term. Actual results may vary based on interest rate movements and lender policies.