Variable home loan rates from 5.59% p.a. (5.62% p.a. comparison rate*). Apply online in about 20 minutes.

Variable · Owner occupier

Variable Home Loan

Our lowest-fuss loan. No application fee, no annual fee, free redraw.

A couple talking by an open fire on a leather sofa
5.84% p.a.variable rate
5.87% p.a.comparison rate*

A straightforward variable rate loan for the home you live in. Make extra repayments whenever you like and draw them back out if you need them, with no fee either way.

Features

  • No application, annual or monthly fees
  • Unlimited extra repayments and free redraw
  • Borrow up to 90% of the property value (lenders mortgage insurance applies above 80%)
  • Split part of the loan into a fixed rate at any time

Key facts

Rate type
Variable
Interest rate
5.84% p.a.
Comparison rate*
5.87% p.a.
For
Owner occupier
Maximum LVR
90%
Offset account
No
Redraw
Yes
Application fee
$0
Annual fee
$0
Monthly fee
$0

*Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: this comparison rate is 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.

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Variable Home Loan5.84% p.a. variable rate Apply now