Your loan
Fixed rates are today's indicative carded rates (as at 30 June 2026). Floating varies by lender — adjust it to yours.
Loan balance
Loan term
Floating rate
Floating usually sits well above the fixed rates.
ON TODAY'S RATES
Cheapest right now is Fix 1 year at 5.19% — but the gap to the dearest option is only $6,164/yr. The real question isn't the cheapest today; it's how much certainty is worth to you.
Floating6.79%
Move any time, pay any extra with no cap — but the rate can rise at any moment.$1,502/fn
Fix 1 yearCHEAPEST NOW5.19%
Lowest fixed rate, but you re-price in a year. Most flexibility of the fixes.$1,265/fn
Fix 2 years5.35%
A middle path — certainty for two years without locking in too long.$1,288/fn
Fix 3 years5.59%
Most certainty. You're protected if rates rise, stuck if they fall.$1,323/fn
The honest answer
Fixing wins if rates rise or hold; floating wins if they fall soon — and nobody knows which. Most people split the difference: fix the bulk for certainty and keep a slice floating (or on a short fix) for flexibility. That's exactly what the split-loan tool is for.