The Best of Both Worlds —
Flexibility Meets Security
Why choose between stability and flexibility when you can have both? A Split Home Loan divides your loan into fixed and variable portions — balancing protection from rate increases with repayment flexibility.
Why borrowers choose split loans
Part of your loan is locked into a fixed rate for repayment certainty, while the remaining portion stays variable — giving you access to features like offset accounts and extra repayments.
Balanced risk protection
Reduce exposure to interest rate increases while still enjoying the flexibility of a variable portion.
Greater financial control
Adapt your loan strategy as market conditions change — without being locked into one structure entirely.
Smarter loan management
Enjoy stability for part of your loan while staying flexible with the rest — the best of both worlds.
Perfect for borrowers who
Three proven split strategies
There is no one-size-fits-all rule. We calculate a ratio based on your specific cash flow, risk comfort level, and financial goals.
Safety first split
80% Fixed / 20% Variable
Ideal for families on a strict budget who want maximum protection but still want to keep a small 'buffer' for savings in an offset account.
Balanced split
50% Fixed / 50% Variable
A popular middle-ground that provides a 50% shield against rate hikes while allowing significant flexibility to pay down the loan faster.
Flex-heavy split
20% Fixed / 80% Variable
Perfect for high-income earners or those expecting a windfall (bonus or inheritance) who want to aggressively pay down debt with a small portion locked in just in case.
Calculate your split loan repayments
Adjust the split ratio, rates and loan amount to see exactly what your fixed and variable repayments will be — and how they compare to 100% fixed or 100% variable.
Split ratio calculator
Your split at a glance
Your split loan summary
Compared to 100% options
What to watch out for with split loans
Split loans add some complexity. These are the three key areas where expert guidance makes a real difference — and where Kubaer Finance protects your interests.
The double-fee check
A split loan technically creates two separate accounts — some lenders may charge two sets of monthly service or application fees. We specialise in finding 'Package' or 'Bundle' loans where you pay one flat annual fee regardless of how many times you split your loan.
Refinancing complexity
If you want to move to a different bank later, having a fixed portion can make things tricky. You may have to wait for the fixed term to expire or pay 'break costs.' We help you align your fixed terms with your long-term property goals — e.g., if you plan to sell in 2 years, we won't suggest a 5-year fixed split.
The revert alignment
When your fixed portion expires, it will 'revert' to a variable rate. We ensure that both your variable portions are on the most competitive discounted rates possible — so you aren't automatically moved to a high Standard Variable Rate at the end of your term.
The Kubaer Finance strategy approach
At Kubaer Finance, we carefully analyse your income, lifestyle, and risk comfort level to recommend the most effective split structure — aligning your fixed terms with your long-term property goals and ensuring both portions stay on the most competitive rates available.
Lenders we work with
We compare split loan products across the full spectrum of Australian lenders — from the Big 4 to specialist non-banks — to find the right package for your split structure.
Major banks (Big 4)
Second-tier & regional
Customer-owned & mutual
Specialist & non-bank
Common questions
Everything borrowers ask about split home loans in Australia.