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.
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.
Put repayments on-hold for a while
If your circumstances change. You can also go interest-only.
Take the next step towards your home loan
Special Offer Variable Home Loan Packages
|Product Name||LVR||Tier||Interest Rate||Comparison Rate|
|Owner Occupied Variable Home Loan Package^1,2||0.00% - 80.00%||> $750,000||3.59% pa||3.99% pa|
|Owner Occupied Variable Home Loan Package^1,3||0.00% - 80.00%||> $150,000||3.74% pa||4.14% pa|
|Owner Occupied Variable Home Loan Package - Interest only^#1,3||0.00% - 80.00%||> $150,000||4.04% pa||4.43% pa|
|Investment Variable Home Loan Package^1,3||0.00% - 80.00%||> $150,000||4.09% pa||4.48% pa|
|Investment Variable Home Loan Package - Interest only^#1,3||0.00% - 80.00%||> $150,000||4.60% pa||4.98% pa|
Standard Variable Rate Home Loan interest rates
|Product Name||Interest Rate||Comparison Rate|
|Owner Occupied||5.25% pa||5.31% pa|
|Owner Occupied - Interest only#||5.55% pa||5.61% pa|
|Investment||5.64% pa||5.70% pa|
|Investment - Interest only#||5.94% pa||6.00% pa|
How we can help
^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 and bridging loans, you will only be charged interest only interest rates if, after your construction or bridging period, your repayments will not be principal & interest repayments.
1LVR=Loan to Value Ratio.
2This rate is available for any purpose except on bridging loans where the proposed end debt is less than $750,000. Minimum new borrowings of $750,000. This offer is limited and may be withdrawn at any time.
3This rate is available for any purpose. Minimum new borrowings of $150,000. This offer is limited and may be withdrawn at any time.
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.