Splitting Your Home Loan

To 'split' your loan means that you can choose to divide your borrowings anyway you want, securing a portion of your choosing as 'fixed' and a portion as 'variable'.

This feature is available on all Suncorp Bank Home Loans, except the Bridging Loan.

Did you know? We have a new Split Loan calculator.

Choose to 'split' your loan

Get the best of both worlds by choosing to ‘lock in’ a portion of your borrowings on a fixed interest rate, with the remaining portion on a standard variable interest rate.

fixed rate and variable rate home loan chart

The fixed rate portion gives you the security of knowing how much your repayments will be, as well as limiting your exposure to rate rises. The variable rate portion lets you make unlimited additional repayments while giving you the flexibility to redraw them at any time*. It’s a solution that gives you the benefits of both loan types.

  • Split the loan any way you like. 75% fixed, 25% variable. 40% fixed, 60% variable - the choice is yours.


For information on Splitting your Home Loan, talk to your Home Loan Specialist, or call us, on 13 11 75.

Fees and Charges apply, ask us for details.

* You need to apply for Cashback, which is available subject to conditions.

Home Loans are provided by Suncorp-Metway Ltd ABN 66 010 831 722 Australian Credit Licence 229882 (“Suncorp Bank”) to approved applicants only. Terms, conditions, fees and charges apply and are available upon request.