Fixed, Variable Or Split

  • Fixed, Variable Or Split

Fixed, Variable Or Split: Which Home Loan Rate Type Fits Your Strategy?

Choosing a rate type is one of the most common and confusing decisions Australian borrowers face.

The “right” rate type is the one that fits your life, not just today’s headline

Rate structure should match risk tolerance, cash flow, and future plans.

Suggested Sections

  • How variable rate home loans work
  • Link to cash rate moves and lender decisions.
  • Flexibility for extra repayments and offset accounts.
  • How fixed rate home loans work
  • Locked-in rate for a set term and predictable repayments.
  • Limits on extra repayments, offset and refinance options.
  • What is a split home loan?
  • Combining fixed and variable portions.
  • Examples of common splits (e.g. 50/50, 70/30).
  • Key questions to decide between rate types
  • How stable is your income?
  • Do you plan to sell, refinance or renovate during the fixed period?
  • How comfortable are you with repayment changes?
  • Practical scenarios
  • Young families, investors, SMSF borrowers and downsizers, and how each might use different structures.