Split Home Loans

Split Home Loan

Need help choosing the right home loan?

Split Home Loans

At Pioneer Credit Connect, providing financial solutions that meet our customers needs is where we focus our efforts. Through bank negotiations and experience, our customers benefit from the flexibility to have their home financed through a fixed and variable rate.

Can’t pick? If you have been tossing up whether to take the fixed or variable rate plunge, a split rate home loan offers you the best of both worlds. Take advantage of lower repayments whilst simultaneously having the stability of a fixed rate.

Start getting the most out of your home loan and achieve your financial goals.

What is a Split Home Loan?

A split home loan is where your house is financed through a combination of both a variable and fixed rate mortgage. This provides you with a ‘best of both worlds’ situation where you can have the stability of the fixed rate whilst also taking advantage of market changes with the variable rate.

You should also know that there are economic changes that could cause your interest rate to increase or decrease. With a split rate home loan, these changes will have less of an effect than if your home loan was financed entirely with a variable rate. This is due to the steadiness of the fixed rate reducing how much the rate can move.



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Why is a Split Home Loan right for you?

At times, having your entire home loan under a fixed or variable rate is not the most suitable option. If you are requiring the consistency of a fixed rate but also want to enjoy the benefits of lower repayments, should your variable rate fall, then a split home loan could be the most suitable option for you.

Keep in mind that by fixing part of your rate, you will be locked into this for 1 – 5 years. A split home loan works best if you intend to live in the property for longer than the fixed portion of the loan to ensure you don’t have to pay the discharge fees.

Benefits of a Split Home Loan:

  • Finance your home with both fixed and variable rates
  • Enjoy the stability of a fixed rate
    • Lower repayments with a variable rate
    • Achieve your financial goals

    Apply for the Split Home Loan that's right for you!

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    See what our customers have to say!


    • customer experienceJohn R, VIC
      I'd like to thank you for all the help you've given me. I know that I made it difficult for you at times but you handled it all very professionally. It was very helpful that you were so knowledgeable about every aspect of this process, including all the legal procedures.
    • customer experienceThe Conway Family, WA
      We would love to say a massive thank you for all the help and support you have provided in the purchasing of our lovely home. Buying a house is apparently one of the most stressful things you can do in a lifetime; well not in this lifetime thanks to you! We can honestly say that there was not one minute of stress and your efficiency, expertise and advice were second to none.

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