Combo Loan

PLEASE NOTE: This product is no longer available.

The Combo Loan from gives borrowers a range of features designed to give them control over the loan’s structure.

Borrowers can choose between the security of a fixed rate of interest or the flexibility of a variable rate of interest. There is also a split loan option available to borrowers who prefer a balance of the two.

The Combo Loan also gives borrowers the opportunity to make additional repayments, which could help some borrowers to pay down their loan more quickly.

Borrowers who choose a variable loan have access to a redraw facility, which allows them to withdraw again any funds that they may have put towards extra repayments. Borrowers should note this function is only available with variable Combo Loans or with the variable portion of split Combo Loans.

The Combo Loan additionally comes with a portability feature that allows borrowers to take their home loan with them when they move. 

Who is the Combo Loan good for?

The Combo Loan may suit borrowers looking for simple and portable loan with an extra repayment feature.

The choice of a fixed or variable rate of interest may appeal to borrowers who are hoping to exert some control over the structure of their loan.

Review - What RateCity says

The Combo Loan has a competitively low rate of interest, which may be appealing to a broad base of borrowers. However, some of the savings on interest are offset by very high establishment fees, which is worth consideration.

Its standout features include its extra repayments function, redraw facility on variable packages and portability. For borrowers looking for these features, the Combo loan may be worth a look. Combo Loan Options

The Combo Loan is a low rate loan with the option of fixed or variable rates of interest.

  • Split rate options.
  • Additional repayments.
  • Redraw facility for variable rate.
  • No offset account.
  • Redraw facility unavailable with fixed rate.
  • Upfront fees.

Australian resident.

Proof of income.

Minimum deposit.

At least 18 years of age.



Australian-owned is an online-only lender which has been in operation since 2011. With low overheads, it says it passes on its savings to customers via low rates and low fees.

Compare your product with the big 4 banks, or add more products to compare
As seen on