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  • Can be an advantage if there is uncertainty in interest rate movements
  • Part of the loan being fixed protects you against interest rate rises
  • Part of the loan being variable assists you if interest rates decrease
  • Additional repayments are allowed on the variable portion of the loan
  • If rates decrease, the fixed portion of the loan may be higher than the variable rate
  • Penalties may apply in paying off the loan before the due date of the fixed portion

Split Loans

With a split loan, you are able to have a portion of your loan fixed and the other portion variable.

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