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A split home loan is when you divide your loan into two or more parts. You could, for example, nominate a portion of the loan to have a fixed interest rate, and the remainder to have a variable interest rate, or have multiple loans of the same loan type.
Take a look at the Switching Terms and Conditions brochure for more information on split loans.
A Fixed Rate home loan gives you the confidence of knowing how much your repayments will be and protects you against rate rises during the fixed-rate period (however, you wouldn’t benefit from a drop in interest rates).
A Standard Variable Rate home loan offers flexibility such as redraw, offsets and the ability to make unlimited additional repayments.
How you decide to split your home loan is up to you.
For example: After considering the types of home loans available and how they best match your needs, you decide on a 60:40 split of your $500,000 home loan.
Your loan would then be divided into two loans – a fixed interest rate would be charged on $300,000 and the remaining $200,000 would have a variable interest rate.
Most of our home loans can be split except Viridian Lines of Credit. Use our Switching matrix to see all the eligible loan combinations.
See what home loan options we have and which will work best for you.
You can see monthly loan service fees and interest rates for your existing home loan in NetBank or the CommBank app.
Book an appointment to speak to a Home Lending Specialist about applying for a new home loan that is split.
Alternatively, you can contact us for more information.
Speak to a Home Lending Specialist about your options.
Contact us about your existing home loans.
Get help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app notifications turned on so you know when you’ve received a reply.
Book instantly to speak to a Home Loan Specialist at a time that suits you.
Redraw, change your repayments or loan type to better meet your needs and more.
Fast-track your call, see expected wait times and connect with a specialist in the CommBank app.
Get instant help from our virtual assistant or chat to a specialist.
1Prior to 14 March 2026: To apply for a Wealth Package, you must have an eligible home loan or line of credit with an initial package lending balance of at least $150,000 at the time of your application. Package lending balance is the sum of the account balance of eligible Standard Variable Rate home loans, Fixed Rate home loans that you have with us at the time you apply for Wealth Package. Please refer to the Wealth Package Fact Sheet and Package Terms and Conditions for full details.
On and from 14 March 2026: The Wealth Package will become part of eligible home loans. Eligible home loans include: Standard Variable Rate home loans and Fixed Rate home loans. Eligibility also extends to Viridian Line of Credits which were receiving Package benefits on 13 March 2026, or where a customer/s holds a Viridian Line of Credit and applies for a Standard Variable Rate and/or Fixed Rate home loan after 14 March 2026.
A non-refundable annual fee of $395 is payable in advance. The package can be established in the name of one or two individual’s name/s, or in the name of a corporate entity. It cannot be established in the name of a business or family investment trust.
* Comparison rate calculated on a $150,000 secured loan over a 25-year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for variable Interest Only loans are based on an initial 5-year Interest Only period. Comparison rates for fixed or guaranteed Interest Only loans are based on an initial Interest Only period equal in length to the fixed or guaranteed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Conditions apply to all loan options. Full terms and conditions will be set out in our loan offer, if an offer is made. Fees and charges are payable. Interest rates are subject to change. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
The target market for this product will be found within the product’s Target Market Determination, available here.
