Split Rate Loans

Break Down

  • Commonly used if you want the best of both worlds
  • It is also widely used for both First Home Buyers or Existing Borrowers
  • A Split Rate loan facility, offers you a combination of flexibility and security
  • With a Split, Rate Loan facility, you actually decide how much of the loan you would like to FIX and how much you would like to leave a Variable Rate
  • Additional repayments are allowed on the variable portion of the loan facility
  • The Split Loan facility, allows you to customise your loan's interest rate as you see fit:
    (meaning: - Fixing the rate on a portion of your loan to give you some certainty to part of your monthly repayments, but also flexibility for the balance of your loan that is on a variable-rate)


  • You may be charge costs such as set-up costs, discharge fees and account costs for both Fixed and Variable portions of the loans
  • There may be limited benefits if interest rate goes down
  • Some lender may penalise you should you make higher repayments on the Fixed portion
  • You may also be penalised, if you pay off your loan before the expiry of the Fixed Rate term of the loan

If you have any queries regarding any Finance, Mortgage or Insurance or any other matter,
please don't hesitate to contact our professional team at FLR Solutions on:

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or Simply fill out our enquiry form and we will promptly contact you




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