Hybrid / split mortgages

Blend fixed and variable segments to balance stability and potential savings.

When a split strategy makes sense

Hybrid mortgages split your balance into fixed and variable portions. You can ladder terms, manage risk via diversification, and still convert pieces later without resetting the entire mortgage.

Why consider it

Balance between certainty and flexibility.
Useful for investors who want exposure to falling rates without full volatility.
Pairs well with future refinance plans when you don’t want everything maturing at once.

Considerations

Multiple segments mean multiple penalty calculations.
Availability varies by lender; some restrict prepayment options.

Hybrid / split mortgages

When a split strategy makes sense

Why consider it

Considerations

Representative rates

Hybrid / split mortgages

When a split strategy makes sense

Why consider it

Considerations

Representative rates