Standard 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.
Standard Variable Rate Home Loan
Our Standard Variable Rate Home Loan is ideal for those seeking significant flexibility. As you can see from the features list, it puts some seriously valuable interest-saving options at your disposal.
Our paperless application makes it simple for you to apply online, over the phone or in person.
Links to Home Loan Offset Account
Save thousands in reduced interest.
Available with our Home Loan Package
Get a discount off your rate for the life of the loan - and big fee savings! Annual package fee and conditions apply.
Unlimited fee-free additional repayments and redraw those extra repayments
Any time, and at no cost.
Start your application now
For a home loan that makes you feel at home – get in touch with us today.
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- Saturdays 8am – 2pm (ACST)
Visit us at 400 King William Street, Adelaide
- Monday to Friday 8am – 5.30pm (ACST)
- Saturdays 10am – 2pm (ACST)
- Sunday – Closed
Special Offer Variable Home Loan Package
|Product Name||LVR||Interest Rate||Comparison Rate|
|Owner Occupied Variable Home Loan Package^2||0.00% - 80.00%||2.59% pa||3.02% pa|
|Owner Occupied Variable Home Loan Package - Interest only^#2||0.00% - 80.00%||3.19% pa||3.60% pa|
|Investment Variable Home Loan Package^2||0.00% - 80.00%||2.59% pa||3.02% pa|
|Investment Variable Home Loan Package - Interest only^#2||0.00% - 80.00%||3.19% pa||3.60% pa|
Standard Variable Rate Home Loan interest rates
|Product Name||Interest Rate||Comparison Rate|
|Owner Occupied||4.50% pa||4.56% pa|
|Owner Occupied - Interest only#||4.95% pa||5.01% pa|
|Investment||4.95% pa||5.01% pa|
|Investment - Interest only#||5.20% pa||5.26% pa|
Take the next step towards your home loan
*Cashback offer available on any owner-occupied or investment loan with minimum new borrowings of $250,000 where the loan to value ratio is 80% or less. Bridging loans are not eligible for this offer. Funds available at settlement, except in the case of construction loans where cashback will be paid on confirmation that the foundation has been poured. Limit of one cashback per household. Offers valid as at 25/08/2020, subject to change and may be withdrawn at any time without advanced notice. Lending criteria, fees and conditions apply and are available upon request.
^You must hold, or be approved for, total Package borrowings of at least $150,000. Conditions and annual package fee of $395 applies.
#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.
2This offer is available on new loans with minimum new borrowings of $150,000. Bridging loans are not eligible for this offer.
Offers valid as at 25/08/2020 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.