This calculator allows you to calculate the effects of splitting your loan into fixed rate and variable rate components and how you can benefit from hedging your bets!
Conclusion: It does not take into account any possible fees i.e. up-front fees or ongoing fees. Interest rate does not change over the loan term. Interest is calculated by compounding on the same repayment frequency selected, i.e. weekly, fortnightly, monthly. In practice, interest compounding frequency may not be the same as repayment frequency.