It’s simply dividing your home loan into two or more loans.

For example, let’s say you have a $200,000 home loan. You could divide your loan into one portion being $150,000 and the other $50,000.

Why would you do that?

It can protect you against rate fluctuations if you, as per in this example, say fix the $150,000 for three years and keep the other $50,000 portion variable with a 100% offset account.

Simple strategies like this can give you security in the home loan market whilst at the same time keeping the flexibility of making extra repayments and redraw with the variable portion.

There are a lot of different options with split loans and every situation is different depending on the clients needs.

If you’d like a professional take on your situation to see if a split loan would be appropriate for you, call us now at (08) 8211 7180 or send us an email at

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Zac Zacharia (Managing Director) has been assisting clients to create wealth and secure their futures for over 14 years.

He is also an accomplished presenter and educator

Co-authoring the popular investment book, Property vs Shares.