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Variable rates

Variable home loan rates across the panel

Flexible features — offset, redraw, extra repayments — with rates that move with the market. The default choice for refinancers and confident PAYG borrowers.

Other categoriesFixed ratesInvestment ratesInterest-onlyCashback offersLowest ratesAll rates

  • Specialist lender

    Rate5.94 % p.a.Comp.5.94 % p.a.
    Redraw

  • Specialist lender

    Rate5.98 % p.a.Comp.6.11 % p.a.
    Redraw

  • Mid-tier bank

    Rate5.99 % p.a.Comp.5.99 % p.a.
    Redraw

  • Credit union

    Rate5.99 % p.a.Comp.5.99 % p.a.
    Redraw

  • Mid-tier bank

    Rate5.99 % p.a.Comp.6.01 % p.a.
    Redraw

  • Mid-tier bank

    Rate5.99 % p.a.Comp.6.04 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.04 % p.a.Comp.6.04 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.04 % p.a.Comp.6.07 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.08 % p.a.Comp.6.08 % p.a.
    Redraw

  • Non-bank lender

    Rate6.08 % p.a.Comp.6.28 % p.a.
    OffsetRedraw

  • Non-bank lender

    Rate6.09 % p.a.Comp.6.12 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.09 % p.a.Comp.6.14 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.09 % p.a.Comp.6.18 % p.a.
    Redraw

  • Credit union

    Rate6.13 % p.a.Comp.6.13 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.13 % p.a.Comp.6.16 % p.a.
    Redraw

  • Mutual bank

    Rate6.14 % p.a.Comp.6.14 % p.a.
    Redraw

  • Major bank

    Rate6.14 % p.a.Comp.6.42 % p.a.
    OffsetRedraw

  • Major bank

    Rate6.15 % p.a.Comp.6.23 % p.a.
    OffsetRedraw

  • Major bank

    Rate6.15 % p.a.Comp.6.44 % p.a.
    OffsetRedraw

  • Major bank

    Rate6.16 % p.a.Comp.6.44 % p.a.
    OffsetRedraw

  • Mid-tier bank

    Rate6.19 % p.a.Comp.6.22 % p.a.
    Redraw

  • Non-bank lender

    Rate6.23 % p.a.Comp.6.40 % p.a.
    OffsetRedraw

  • Non-bank lender

    Rate6.24 % p.a.Comp.6.24 % p.a.
    Redraw

  • Major bank

    Rate6.24 % p.a.Comp.6.29 % p.a.
    Redraw

  • Mutual bank

    Rate6.24 % p.a.Comp.6.33 % p.a.
    Redraw

  • Credit union

    Rate6.24 % p.a.Comp.6.56 % p.a.
    OffsetRedraw

  • Major bank

    Rate6.28 % p.a.Comp.6.38 % p.a.
    OffsetRedraw

  • Mutual bank

    Rate6.29 % p.a.Comp.6.40 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.29 % p.a.Comp.6.52 % p.a.
    OffsetRedraw

  • Non-bank lender

    Rate6.29 % p.a.Comp.6.81 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate6.39 % p.a.Comp.6.50 % p.a.
    Redraw

  • Non-bank lender

    Rate6.39 % p.a.Comp.6.62 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate6.44 % p.a.Comp.6.48 % p.a.
    OffsetRedraw

  • Non-bank lender

    Rate6.44 % p.a.Comp.6.55 % p.a.
    Redraw

  • Non-bank lender

    Rate6.49 % p.a.Comp.6.56 % p.a.
    OffsetRedraw

  • Non-bank lender

    Rate6.49 % p.a.Comp.6.62 % p.a.
    Redraw

  • Non-bank lender

    Rate6.69 % p.a.Comp.6.69 % p.a.
    Redraw

  • Non-bank lender

    Rate6.74 % p.a.Comp.6.90 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate6.78 % p.a.Comp.6.98 % p.a.
    Redraw

  • Specialist lender

    Rate6.87 % p.a.Comp.7.19 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate7.19 % p.a.Comp.7.31 % p.a.
    Offset

  • Specialist lender

    Rate7.74 % p.a.Comp.7.86 % p.a.
    Redraw

  • Specialist lender

    Rate6.04 % p.a.Comp.6.07 % p.a.
    Offset

  • Specialist lender

    Rate6.44 % p.a.Comp.6.64 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate6.84 % p.a.Comp.6.95 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate7.84 % p.a.Comp.7.88 % p.a.
    Redraw

  • Specialist lender

    Rate7.87 % p.a.Comp.8.15 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate9.52 % p.a.Comp.9.52 % p.a.

  • Specialist lender

    Rate6.29 % p.a.Comp.6.33 % p.a.
    Redraw

  • Specialist lender

    Rate6.29 % p.a.Comp.6.42 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate8.04 % p.a.Comp.8.16 % p.a.
    Redraw

  • Specialist lender

    Rate6.44 % p.a.Comp.6.73 % p.a.
    OffsetRedraw

  • Specialist lender

    Rate6.54 % p.a.Comp.6.67 % p.a.
    OffsetRedraw

Rates last refreshed 8 July, 02:00 am · indicative rate basis: owner-occupier · $500,000 loan · $800,000 property · 62.5% LVR · 25-year term

Rates are sourced directly from each lender's broker channel and refreshed daily. Indicative starting rates shown are based on a representative loan of $500,000 over 25 years (62.5% LVR). They are indicative only — final pricing depends on loan amount, LVR, security type, income evidence, and credit history. The Credit Quote we provide before lodgement contains the rate, fees, and commission applicable to your specific application.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are based on a loan amount of $150,000 over a loan term of 25 years.

All rates subject to lender credit assessment and policy. Indicative only. Authorised under LMG Broker Services Pty Ltd · ACL 517192.

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