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Home Loans

Discounted Variable Rate Home Loans

As the name suggests, variable rates aren’t fixed and neither is your minimum repayment. When the rate drops, you pay a little less. When it goes up, you pay a little more.

The rate isn’t the only flexible ingredient, though. Our variable rate home loans also offer many convenient features to help you pay off your loan sooner.

Feel at home with a $2,500 Cashback* when you refinance your Owner Occupied or Investment home loan with us! For a limited time only.

Discounted Variable Rate Home Loan

Our Discounted Variable Rate Home Loan is a great choice if you’re a budget-conscious borrower on the lookout for something simple, but effective, that won’t charge you extra if you want to repay it faster (and save heaps in the process).

Talk to us about a home loan today – we’re here to help.

Call us (08) 8202 7777 Make an appointment


No loan application, monthly or annual fees 

Unlimited fee-free additional repayments

In fact, repay the whole loan as fast as you like, without penalty.

Redraw those extra repayments

Any time, and at no cost.

Special Offer Discounted Variable Home Loan

Product Name LVR Tier Interest Rate Comparison Rate
Owner Occupied Discounted Variable Home Loan1 0.00% - 80.00% > $150,000 3.59% pa 3.61% pa
Owner Occupied Discounted Variable Home Loan - Interest only#1 0.00% - 80.00% > $150,000 3.99% pa 4.01% pa
Investment Discounted Variable Home Loan1 0.00% - 80.00% > $150,000 4.04% pa 4.06% pa
Investment Discounted Variable Home Loan - Interest only#1 0.00% - 80.00% > $150,000 4.34% pa 4.36% pa

Discounted Variable Rate Home Loans

Product Name Interest Rate Comparison Rate
Owner Occupied 4.22% pa 4.24% pa
Owner Occupied - Interest only# 4.62% pa 4.64% pa
Investment 4.67% pa 4.69% pa
Investment - Interest only# 4.97% pa 4.99% pa


Fee Amount
Application Fee$0
Monthly Fee$0
Redraw Fee$0


The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.

The Home Loan Repayment calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.

Compare two different loans using their individual honeymoon rates, upfront fees, monthly fees and discharge fees.

The Buying and Selling Costs calculator will calculate the costs of buying and selling, including real estate agent costs and stamp duty.

#Interest only interest rates apply when you request to only repay interest charges on you loan. For construction loans, you will only be charged interest only interest rates if, after your construction period, your repayments will not be principal & interest repayments.

LVR=Loan to Value Ratio.

*This offer is available on any owner occupied or investment refinance from another financial institution, where the minimum loan amount is $250,000 and the loan to value ratio is 80% or less. Funds available at settlement. Limit of one cashback per household.

1This offer is available for any purpose, excluding bridging loans.

Offers valid as at 2/9/2019 are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change.

Conditions, fees and lending criteria apply and are available on request. Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Download a copy of our Home Loan Interest Rates, Fees and Charges.

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