Split home loan

Top reasons to consider a split home loan for your next mortgage

Why borrowers love split home loans:

1. Stability: Part of your loan stays fixed, giving you certainty and peace of mind even when market rates rise. This fixed portion protects you from sudden repayment increases, allowing you to budget confidently month after month. It’s the financial anchor that keeps your mortgage steady during volatile economic periods.

2. Flexibility: The variable side of your split loan keeps you in control when rates fall or when you want to make extra repayments. You can pay down your balance faster without penalty, redraw funds if needed, and stay agile as the market shifts. It’s the part of your loan that adapts as your goals evolve.

3. Balance: With both fixed and variable components, you’re never trapped in one extreme. You can enjoy the best of both protection from rate hikes and freedom to benefit from rate drops. This balanced approach smooths out risks and opportunities, helping you maintain stability without sacrificing growth potential.

4. Strategy: A split home loan isn’t a one-time setup it’s a living financial plan that can adjust as your situation changes. Whether your income grows, you start investing, or the market shifts, you can rebalance the split to keep it working efficiently. It’s a structure built to evolve alongside your long-term goals.

A split home loan lets you enjoy the best of both worlds predictability and adaptability. When interest rates rise, your fixed portion protects you. When they fall, your variable side lets you take advantage of the savings. It’s a powerful middle ground that helps you manage both stability and growth at the same time.

HeyNest brokers design custom split structures that reflect your lifestyle, risk tolerance, and financial plans. They analyse how each combination like 70% fixed and 30% variable affects your repayments now and long-term, ensuring that every decision serves your goals.

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How a split home loan give you control in a changing market?

The housing market doesn’t stand still, and neither should your mortgage. A split home loan gives you the power to stay balanced when rates fluctuate. With one part fixed and the other variable, you’re protected from sudden rises but still open to benefit when rates fall. It’s like building a shock absorber into your home loan smoothing out financial bumps before they impact you.

• During uncertain times, this structure can be especially valuable. When interest rates rise, you already have a portion locked at a comfortable level. When they drop, you can make extra repayments or enjoy reduced interest on the variable side. This adaptability helps homeowners manage both short-term fluctuations and long-term stability with confidence.

HeyNest brokers act as your strategic partners. They keep track of rate trends, lender policies, and economic forecasts advising when it’s time to adjust your split ratio or refinance to maintain the perfect balance. The result: a home loan that evolves intelligently with the market, not against it.

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Access to many lenders

Compares and negotiates the best market rates for you.

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Refinancing into a split home loan: turning your mortgage into a smarter tool

If you already have a mortgage, refinancing into a split home loan can transform it into a more dynamic and strategic tool. Refinancing allows you to restructure your debt, take advantage of new rates, and create a balance between security and opportunity all while maintaining control over your repayments.

• With HeyNest, the process is fast, transparent, and 100% online. After completing a quick digital profile, you’re matched with an independent broker who reviews your existing loan, compares offers from multiple lenders, and designs a new structure that fits your financial goals. They’ll show you the potential savings, how to reduce long-term interest costs, and how to protect part of your loan from rate hikes.

Beyond lower rates, refinancing into a split structure also gives you flexibility to make strategic moves like paying down the variable side faster or locking in a lower fixed rate before markets rise. It’s not just about changing lenders; it’s about optimising your entire loan for future success.

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Questions fréquentes

Can I change the ratio of my split home loan after it’s set up?

Yes, most lenders allow you to adjust the split ratio, though it may depend on your loan type and timing. Reviewing your structure every year or two helps ensure it still fits your financial goals. A HeyNest broker can guide you through the process and find lenders with flexible adjustment options.

Is it possible to refinance only one portion of my split loan?

In many cases, yes. You can refinance just the variable portion while keeping the fixed side untouched, though this depends on your lender’s policy. HeyNest brokers assess which option saves you more whether partial refinancing or restructuring the whole loan before recommending the best move.

Are split home loans available for investment properties?

Absolutely. Many property investors use split home loans to balance predictable repayments with flexibility to pay down debt faster. The fixed side offers stability for long-term planning, while the variable side helps manage cash flow and respond to rate changes.