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 - Owner Occupied home loan rates from
2.68 % PA 2.73 % PA
Comparison Rate*

A low variable interest rate, loans from $150,000 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 Package - Owner Occupied home loan rates from
2.78 % PA 3.18 % PA
Comparison Rate*
This rate is for new owner occupied, principal & interest loans over $700,000 with LVR ≤ 80%.
Standard Variable
Standard Variable - Owner Occupied home loan rates from
4.49 % PA 4.64 % PA
Comparison Rate*

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

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