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VARIABLE LOANS


A variable home loan interest rate should move up and down with market interest rates.

Variable home loan interest rates are determined by the cash rate set by the Reserve Bank of Australia. The cost of borrowing on the international money market can affect the variable interest rates and other factors including the national and international economy.


There are two main types of variable home loans

The basic variable home loan
The standard variable home loan

A basic variable home loan usually has a discounted interest rate and in some cases can have more fees than the standard variable rate.

A standard variable rate is generally higher because of the additional options that apply to the loan.

Some lenders have basic variable home loans that do cover most of the options without the additional fees. We can help you identify what you need and the loan with the lender that offers this.


Listed below are some of the options that are available with different lenders
Redraw

Redraw

Offset account

Offset
account

Direct Debit

Direct Debit 

Salary Credit

Salary Credit

Internet Banking

Internet
Banking

Split Loan

Split loan 

Additional Repayments

Additional
Repayments

Construction

Construction

Parental Leave

Parental Leave

Repayment Holiday

Repayment
Holiday

Get pre-qualified for a loan today.  Click here and fill out our online form and we will prepare a borrowing capacity report for you

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Adelaide Bank

Adelaide Bank

Heritage Bank

Heritage Bank

P&N Bank

P&N Bank

AMP Bank

AMP Bank

Australian First Mortgage

Australian First Mortgage

Commonwealth Bank

Commonwealth Bank

Citibank

Citibank

Bankwest

Bankwest

ANZ Bank

ANZ Bank

Homeloans Ltd

Homeloans Ltd

St George Bank

St George Bank

Suncorp

Suncorp

Peppermoney

Peppermoney

The Rock Building Society

Mystate

ME Bank

ME Bank

Keystart Home Loans

Keystart Home Loans

Macquarie Bank

Macquarie Bank

La Trobe

La Trobe

ING Direct

ING Direct

Liberty Financial

Liberty Financial

Westpac

Westpac

Bluestone

Bluestone

Australian First Mortgage

Australian First Mortgage

Bank of Melbourne

Bank of Melbourne

BankSA

BankSA

NAB

NAB

Plan Lending

Plan Lending

Fristmac

Fristmac