Mortgage Fixing Strategy
Split your mortgage across different fixed terms? See the blended rate you're actually paying, then compare alternative fixing strategies to find the cheapest approach. Everything stays in your browser.
Your loan
Market rates
Set these to your bank's current specials — new portions and strategies will use them.
Your current split
Compare strategies
New strategies mirror your current split. Change each portion's rate and term to compare.
Results update live as you edit — everything stays in your browser.
Saved comparisons
View all on dashboardRun a comparison and choose "Save" to keep it here. Saved comparisons live in this browser only — no account required.
Your Current Split
Your Current Split
Blended rate
Total monthly
Total interest
Breakdown
Strategy Comparison
Blended rate
- Monthly payment
- $2,988
- Total interest
- $51,194
Blended rate
- Monthly payment
- $2,920
- Total interest
- $48,905
- Saves vs current
- $2,289
Cumulative Interest Over Time
Each line shows total interest paid so far under each strategy. The lower a line, the less interest that strategy costs over time.
Key Findings
Best strategy
All 1-year fixed
Lowest total interest over the comparison window
Potential saving
$2,289
Interest saved vs your current split
Current blended rate
5.22%
Weighted average across your portions
Best blended rate
4.99%
Lowest weighted average among all strategies
Our Recommendation
Switching to "All 1-year fixed" could save roughly $2,289 in interest over 2 years, dropping the blended rate from 5.22% to 4.99%. All figures are illustrative — confirm the rates your bank is offering before committing.
Informational only, not financial advice. All rates are illustrative — confirm the rates your bank is currently offering before making any decisions. The comparison uses a common window equal to the longest fixed term among all strategies.