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.

Features

  • 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

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Rates

Discount Variable
Discount Variable 
2.59 % PA 2.64 % PA
New Owner Occupied (Principal & Interest) Loans of $150,000+ with 70% to 80% LVR
Comparison Rate* See Comparison Rate warning

A low variable interest rate, loans from $150,000 and no monthly administration fee.

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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
2.69 % PA 3.09 % 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
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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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These articles may help you

What is LVR?

Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
Learn more

How much money can I borrow?

How much money you can borrow will depend on a number of things. Here's four to consider.
Learn more

Building equity in your property

Having equity in your home means the value of your property is more than how much you owe on it. Check out our tips on building your equity and how you might consider using it. 
Learn more

Buying a home

See all our articles about Buying a Home.
Learn more

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

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