Interest Rates
RBA Cash Rate Outlook & Fixed vs Variable Splits
By Lisa Nguyen
•
Published July 2026
•
4 Min Read
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.
Request an Independent Rate Review
We benchmark your current rate against 40+ lenders to determine if your existing bank is overcharging you.
Book Rate Audit