Optimise your loan with a laddered mortgage strategy. See how splitting your mortgage into multiple parts can balance risk, lock in lower rates, and give you flexibility as the market moves.

Learn more about how mortgage laddering strategies can help you save on your mortgage in our blog post.

Loan Configuration

$
Total time to pay off the loan (typically 25-30 years)

Part 1

Amount: $200,000

Part 2

Amount: $150,000

Part 3

Amount: $150,000
Total Percentage: 100.0%

Summary

Total Loan
$500,000
Monthly Payment
$2865.61
Monthly Interest Paid
$1366.07
Total Interest
$174856.32

Mortgage Timeline

Part 1 - Fixed 4.5%Matures: 2/4/2031
$200,000 (40%) - 5yr
Monthly: $1111.66 | Interest over 5yr term: $42415.70
Part 2 - Floating 5.2%No maturity (floating)
$150,000 (30%) - 0yr (Floating)
Monthly: $894.45 | Interest over full amortization: $118335.68
Part 3 - Fixed 4.8%Matures: 2/4/2028
$150,000 (30%) - 2yr
Monthly: $859.50 | Interest over 2yr term: $14104.93

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Numbers looking good? Let’s get your home loan sorted.

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva