Split home loan
Enjoy all the features of a variable rate and the certainty of your loan repayments when you choose a split rate home loan.
Multi-award winning
Variable Home Loan
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Discounted home loan rate*** -
Offset sub-account available for +0.10%^
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No monthly or ongoing fees
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Fee Free redraw on any additional repayments
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Pay your bills via BPAY
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Access your account via Smart Money app
Not sure which home loan option is the best option for you? A split loan could help you combine the benefits of both a fixed and variable rate home loan.
This way, you can benefit from the certainty that comes with fixed rate repayments, as well as the flexibility of variable rates, in a ratio that works for you.
Our home loans
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
Variable Home LoanOwner Occupied • Principal & Interest • Up to 90% LVRMost Popular
|
5.54% p.a. | 5.58% p.a. | $2,852 |
|
Do I Qualify? |
Green Home LoanOwner Occupied • Principal & Interest • Up to 90% LVR |
5.49% p.a. | 5.95% p.a. | $2,836 |
|
Do I Qualify? |
3 Year Fixed (Special)Owner Occupied • Principal & Interest • Up to 90% LVR |
5.34% p.a. | 5.67% p.a. | $2,789 |
|
Do I Qualify? |
Why should you split your home loan?
There are many benefits that come with splitting your home loan, with key features being flexibility and certainty.
With a split loan, you have the option to choose how much of the loan has a fixed interest rate, and how much has a variable interest rate, allowing you to tailor your loan to suit your preferences.
With this also comes certainty of always knowing what a portion of your repayment will be (due to the fixed rate percentage chosen).
Why choose a Split Rate Home Loan?
Fixed rate certainty
Giving you the confidence of knowing how much your repayments will be during your fixed period.
Variable rate flexibility
Take advantage of reduced repayments on the variable portion of the loan when the interest rate drops.
No extra fees
In addition to enjoying our great low rates, you'll also enjoy no monthly or ongoing fees on both loan options.
Customise your loan
Enjoy the customisation of splitting your home loan how you choose to suit your needs in a ratio that works for you.
A variable home loan that saves you more.
Here’s your new offer
Repayment Type
Maximum LVR of 90%
| Product | Interest rate from | Comparison rate |
|---|---|---|
| Variable Home Loan | 5.54% p.a.*** | 5.58% p.a.* |
| 3 Year Fixed (Special) | 5.34% p.a.*+ | 5.67% p.a.* |
Maximum LVR of 80%
| Product | Interest rate from | Comparison rate |
|---|---|---|
| Variable Home Loan | 6.04% p.a.*** | 5.91% p.a.* |
| 3 Year Fixed | 6.04% p.a.*+ | 5.86% p.a.* |
| Up to 30 years loan term | Yes |
|---|---|
| Available for refinance or purchase | Yes |
| Unlimited additional repayments | Yes |
|
Yes |
| Application fee | $0 |
|---|---|
| Ongoing fees | $0 |
| Security assessment fee | $230 |
| Government fees | At cost |
| Settlement fee | $300 |
As seen on...
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Home loan customers
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Our home loan application process
Application
Simply fill out your home loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.
onTrack
After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.
Speak to specialist
You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.
Settlement
Your loan will settle, and you’ll enjoy your new loan rate.
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
Frequently Asked Questions
How much deposit do I need for a home loan?
While home ownership is a dream for many in Australia, it is a big financial investment. It’s easily one of the most expensive purchases we’ll ever make in our lives. Saving up for the house deposit alone is one of the biggest hurdles to getting into the property market.
Are Green Homes More Valuable?
Going green isn’t a passing lifestyle trend. There’s a growing need for sustainable and eco-friendly housing as Aussies become even more environmentally conscious. In 2025, over half of all houses sold had energy-efficient elements.
How much do Australians spend on rent?
According to the latest Domain Rental Report, asking rents in Australia across most capital cities have shown signs of stalling or declining. Although there are still rent increases in most capital cities, they were not at the rate previously forecasted.
How much do Australians spend on rent?
Eligibility requirements for a home loan
What is a fixed rate home loan?
Top Suburbs for Rental Yield in Queensland
How often should you refinance your home loan?
What is Loan-to-Value Ratio (LVR)?
Mortgage Jargon buster
How does equity work when buying a second home
What is the process of buying a house?
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