Combination Loan

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A combination loan allows you to combine the security of a fixed rate with the flexibility of a variable rate loan and/or a line of credit (equity loan). The combination can be designed to suit your individual needs.

It works like this:

You can split your loan into two parts, one fixed and one variable – you choose the proportions.
On the fixed rate part, you'll be protecting yourself from the full impact of potential rate rises during the selected term.
On the variable rate part, you'll be able to repay extra without penalty, and access other flexible features.
One of your split portions can be an Equity Access Loan if you wish.Contact a Westpac Home Loan Expert, we'll help find the the right solution for your needs.

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* The comparison rate for each of the home loan products contained on this page are based on a secured loan of $150,000 over a term of 25 years.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Details of the comparison rate schedule in respect of these home loan products can be obtained from any of our branches.