Home Loan Variable Rate

A variable rate loan means the interest you pay is 'variable' and can go up and down in response to changes in interest rates. If you're looking for variable rate home loan we have options that may suit you.


  • Flexible access options 
  • Make unlimited additional repayments without penalty
    Access your additional repayments made in advance via online redraw

  • People first service 
  • People first service and commitment to our customer-owned values

  • Family Guarantee options available 
  • Interest only repayment option for investors
  • Available for investment loans, for up to 5 years

  • Construction loans available

Discount Variable
Discount Variable 
2.19 % PA 2.24 % PA
Owner Occupier (Principal & Interest) $700,000 or more - less than 70% LVR
Comparison Rate* See Comparison Rate warning

A low variable interest rate and no monthly administration fee.

Home Advantage Package
Package your standard variable, fixed rate or living equity loan together with a credit card into our Home Advantage Package, and save with discounts on interest rates and fee waivers. 
Standard Variable in Home Advantage Package - rates from
2.39 % PA 2.80 % PA
New Owner Occupied (Principal & Interest) Loans in Package of $700,000+ with 70% to 80% LVR. Package criteria applies.
Comparison Rate* See Comparison Rate warning
Standard Variable
Standard Variable 
4.49 % PA 4.64 % PA
New Owner Occupied (Principal & Interest) Loans
Comparison Rate* See Comparison Rate warning

Loans from $20,000 with 100% offset account available. 

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