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Combination loan

Combine fixed and variable interest rates

Combination loan
  • Flexible

  • Predictable

  • Choose how you want to split it

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This is a combination loan

A combination loan is a loan that combines a fixed and a variable rate of interest. It’s ideal for people who want the predictability of a fixed-rate loan with the flexibility of a variable rate. You get the best of both worlds.


A fixed-rate loan is predictable and you’ll get the agreed interest rate for the entire period. You can decide whether to fix the interest rate 3, 5 or 10 years.


You decide how much of the loan should be linked to fixed and variable interest rates. You can make extra payments against the variable rate part of the loan if and when you are able to.

Price example Combination loan

Split 50/50 between fixed and floating interest rate o/10 year: Weighted operating interest rate from 5,24%. NOK 2 000 000 o/25 year. Instalment amount NOK 11808 per month. Cost NOK 1 545 590, total NOK 3 545 590. Presupposes a mortgage on the home.

Fixed or variable interest?

See the effects of fixing all or parts of the loan.

  • Fixed-rate calculator
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Combination loans FAQs

See also

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