Mortgage Split Calculator

Compare different loan structures side by side. Model P&I vs interest-only splits, fixed vs variable combinations, and see exactly what each scenario costs monthly and over the life of the loan.

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Scenario comparison

Scenario Structure Total loan Monthly repayment Total interest paid Interest saving vs Scenario 1

Want a broker to review your comparison? We will tell you which lenders can actually deliver the structure you are modelling.

This calculator is for illustration purposes only. Figures are estimates based on the inputs you provide and do not account for fees, lender-specific assessment methods, or changes in interest rates over the loan term. Interest-only comparisons show total interest across the IO period followed by a P&I period for the remainder of the loan term. Speak to a Mankin Finance broker for a full assessment tailored to your situation. Credit provided by Australian Credit Licensees.

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The right split depends on your cash flow, tax position, and investment strategy. A Mankin Finance broker will model the best structure for your specific situation.

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