variable rate home loans

Looking for a home loan with competitive interest rates as well as great flexibility? Then you may be in the market for a variable rate home loan.

With a variable rate home loan, your loan repayments are dependent on market conditions, in particular the base rate set by the Reserve Bank. Your repayments can increase if interest rates rise, and decrease if they fall. If you are worried about the impact of fluctuating interest rates on your ability to pay your loan, a Fixed Rate home loan may better suit your needs.

Why go variable?

  • competitive or low introductory interest rates on loan repayments
  • make extra payments without penalty
  • weekly, fortnightly or monthly repayments
  • 100% offset facility available on Premium Select Home Loan

Take into consideration:

  • Interest rates and your repayments could go up and down with changes in the economy

Our most popular variable rate home loans are:

See which home loan best fits your needs with our product comparison tool.


^ For owner occupiers the standard variable rate is the Mortgage Shredder Reference Rate . For investors the standard variable rate is the Investor Reference Rate .

* Offset Transaction account not available for Complete Equity Loan.

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