Split Loan

How much of a rate rise does fixing part protect?

Loan amount $600,000

Fixed portion 50%

Variable rate today 6.20%

If variable rates rise by 1.00 pts

Your monthly repayment would rise by

–

Move a slider to see the difference.

Fixed portion — protected –

Variable portion — exposed –

Variable repayment, now → after –

Rise if the whole loan were variable –

Principal & interest, monthly repayments, a 30-year term. The rise is assumed to happen now, and the variable portion is re-amortised over the full term at the higher rate. The fixed portion’s repayment is not shown because a variable-rate rise cannot change it until its fixed period ends — which is the point of fixing — so the fixed rate is not an input here. When the fixed period ends, that portion moves to whatever variable rate applies then. Some lenders limit extra repayments and offset on fixed portions. No fees. Indicative only. Not financial advice.