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variable home 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.

In recent months most lenders have increased their variable rates beyond the Reserve Bank increases due to the increased cost of obtaining funds via money markets. 

There are two main types of variable home loans. The basic variable and the standard variable home loan.
 

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

 Offset account
Direct Debit     Salary Credit
Internet Banking Split loan 
Additional Repayments        Construction                      
Parental Leave     Repayment Holiday


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