RBA Cash Rate Outlook & Fixed vs Variable Splits

With Reserve Bank of Australia monetary policy continuing to evolve, borrowers face the perennial question: Should you fix your rate, stay on variable, or execute a split loan strategy?

The Power of the Split Loan

A split facility allows you to divide your mortgage into two portions—e.g., 60% fixed for payment certainty and 40% variable with 100% offset account linkage for maximum interest savings and liquidity.

Managing Rate Fluctuations

Rather than guessing market tops or bottoms, structuring multiple sub-accounts linked to multiple offset facilities gives you complete control over your cash flow without paying costly exit penalties.