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Split your home loan with a combination of a variable and fixed rate.
You can create a home loan that suits you with a combination of variable and fixed rate home loans, known as a split loan. A split loan aims to utilise the best features of both types of loans - the certainty of the fixed rate combined with the flexibility of the variable rate. While a portion of your split home loan will be locked into a fixed rate, you will have flexibility to make additional repayments on the variable rate portion and be able to redraw funds if required.
Home loans can be split any way you like. There are a couple of decisions you will need to make when splitting your home loan. These include deciding which fixed and variable product suits your needs, the portion of the loan you will fix vs. the portion of the loan you will keep variable, and the loan periods for each. You will then be able to determine your new monthly repayment amount. An RACQ Bank lender can help you identify which combination of fixed and variable rates are best suit your needs for your split home loan.
At RACQ Bank we want you to reach your property goals sooner. Whether you’re a first home buyer, investor, refinancing or you’re looking for a change – we’ve got home loans to suit your lifestyle.
View home loans
RACQ Bank offers many convenient ways for you to begin the home loan enquiry process with us.
Enquire online
Visit us at one of our Queensland branch locations.
Call us at 13 1905 or complete our online enquiry form to receive a call back.
A mobile lender can come sit down face-to-face in your home, work or wherever else is convenient and make sure you get the loan to suit.
Save a bonus 15% off your Home and Contents Insurance for the life of your RACQ Bank Home Loan.^
Use our borrowing power calculator to find out how much you can borrow and your repayments.
Protect the things that matter most and open the door to a lifetime guarantee on repairs, a trusted 24/7 claims service,...
* Based on APRA figures from October 2017 to April 2020 for loans published on 29 May 2020.
Loans are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian Credit Licence 241195 trading as RACQ Bank. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding.
Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.
Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and applicable Supplementary PDS before making a purchase decision on this product.