Smarter loan structure
Consolidate Split Loans
Two mortgages become one.
Over time, a home loan can accumulate splits (fixed + variable + top-up + line-of-credit) that made sense once but now just add complexity. A refinance can be a chance to consolidate the whole thing into a cleaner structure — often with a single offset, a single repayment date, and clearer visibility.
Things to consider
- Break costs on any fixed portion still in its fixed period will apply — timing matters.
- Simplification is worth something, but not everything — check the new rate is competitive too.
- If any of the splits are tax-deductible (investment purpose), preserve their identity when consolidating.
- A broker can help identify which splits are safe to merge and which shouldn't be touched.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether consolidate split loans could work for you — complimentary, no obligation.
No obligation · No cost · No credit check to enquire.