Split Loan

Combining the security of a fixed rate home loan and the benefits of a variable loan, the Split Loan option allows you the  freedom to choose how much money you assign to each loan type.  Common split loan ratios are 50:50, 70:30 or 60:40 over a two-way fixed and variable rate. The key consideration generally comes down to the amount of risk you want to take on the cash rate going up or down.


  • Competitive interest rates over a variety of fixed and variable loan types.
  • Flexibility – you can choose which portion you would like to fix and which portion you would like to be on variable terms.
  • You can choose loan options that suit your needs.
  • Fixed rate portion offers rate and repayment security and peace of mind.
  • The variable rate gives you repayment flexibility and an offset account
  • Split loans are often ideal for property investors. Many keep their owner-occupier loan on a variable rate, while the investment property loan is kept to fixed terms in a bid to assist with the management of cash flow for the loan/property investment.


  • By splitting your loans you limit the upside benefits in the event of interest rate reductions
  • There are penalties if you wish to break a fixed rate
  • You cannot refinance to another institution (potentially) during the fixed rate period

Complimentary obligation free consultation

Discuss your specific needs & figure out the best financing route for you. Get in touch to organise your complimentary 60 min session today!

What’s involved in obtaining a loan through Intuitive?

Process begins

Step 1

1 hour initial meet to establish financial and lifestyle goals, discuss fact find document and agree timeline for return of such

Step 2

Submission of fact find

Step 3

Within 5 days of completion of fact find – written strategy submitted to you

Step 4

Within 2 days of agreement to proceed – documents lodged with Institution

Step 5

Within 1 to 3 days of lodgement expect conditional approval

Step 6

Within 2 to 4 days after conditional approval expect unconditional (full) approval

Step 7

Within 2 to 5 days after unconditional approval, expect loan documents to arrive

Step 8

Within 3 to 5 days of signed Loan Documents submitted, expect Loan settlement
Process ends
Total process generally takes between 4 and 8 weeks

Property Buying Tips And Handy Hints To Successfully Manage Your Finances

Download this handy guide that the team at Intuitive Finance has put together for you.