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Fixed vs Floating Split Calculator

Many Kiwi borrowers split their loan between a fixed rate for certainty and a floating rate for flexibility. See your combined repayment and blended rate across the split.

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50% fixed / 50% floating

Where to go from here

Home loans in Auckland and across New Zealand

Fixed, floating, split, revolving credit and offset structures, and when each one suits.

Mortgage repayment calculator

Check the repayment on the whole loan before you decide how to split it.
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Not sure how to split your loan?

The right fixed and floating mix depends on your plans, your appetite for rate movement, and where rates are heading. We'll help you structure it.

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