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Home Loans

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.

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

Call us (08) 8202 7777 Make an appointment


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.

Special Offer Variable Home Loan Package

Product Name LVR Interest Rate Comparison Rate
Owner Occupied Variable Home Loan Package^1 0.00% - 80.00% 3.09% pa 3.51% pa
Owner Occupied Variable Home Loan Package - Interest only^#1 0.00% - 80.00% 3.64% pa 4.04% pa
Investment Variable Home Loan Package^1 0.00% - 80.00% 3.54% pa 3.95% pa
Investment Variable Home Loan Package - Interest only^#1 0.00% - 80.00% 3.74% pa 4.14% pa

Standard Variable Rate Home Loan interest rates

Product Name Interest Rate Comparison Rate
Owner Occupied 4.75% pa 4.81% pa
Owner Occupied - Interest only# 5.20% pa 5.26% pa
Investment 5.20% pa 5.26% pa
Investment - Interest only# 5.45% pa 5.51% pa


Fee Amount
Application Fee$600
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.

^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.

1This 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 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.