Compare Variable Rate Home Loans & Mortgages - Best Find

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Home loan amount

Deposit percentage

Loan term (years)

Interest rate type

Repayment frequency

Features

State availability

Home loan type

Home loan provider

Variable Rate Home Loans

Special Offer - Variable rate - Owner occupied

Credit Union SA's Special Offer - Variable rate - Owner occupied <80% offers a low rate Variable home loan with comparison rates from 4.14%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.74%

Comparison rate4.14%

Repayments & Redraws

Monthly repayments (approx)$1,284

Total repayments (approx)$385,242

Total interest (approx)$635,242

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $0

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $350

Regular or monthly fee $0

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

Other

SponsoredNo

Data accurate as of22/11/2017

Comparison warning Comparison rates are based on a $150,000 secured loan for 25 years. 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.

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Owner Occupied - Special Residential

MyState offers a Variable home loan, with comparison rates from 4.04%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.99%

Comparison rate4.04%

Repayments & Redraws

Monthly repayments (approx)$1,323

Total repayments (approx)$397,044

Total interest (approx)$647,044

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $650

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of21/10/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 Loan Package - Owner occupied

Credit Union SA's Variable Home Loan Package - Owner occupied offers a low rate Variable home loan with comparison rates from 4.69%

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate4.30%

Comparison rate4.69%

Repayments & Redraws

Monthly repayments (approx)$1,365

Total repayments (approx)$409,632

Total interest (approx)$659,632

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

Other

SponsoredNo

Data accurate as of22/11/2017

Comparison warning Comparison rates are based on a $150,000 secured loan for 25 years. 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.

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Variable Home Loan Package - Investment Home Loan $150k+

Credit Union SA's Variable Home Loan Package - Investment Home Loan $150k+ offers a low rate Variable home loan with comparison rates from 5.13%

Home Loan Overview

Maximum LVR 97%

Maximum insured LVR 97%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate4.75%

Comparison rate5.13%

Repayments & Redraws

Monthly repayments (approx)$1,426

Total repayments (approx)$427,902

Total interest (approx)$677,902

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $0

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilitySA

Other

SponsoredNo

Data accurate as of22/11/2017

Comparison warning Comparison rates are based on a $150,000 secured loan for 25 years. 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.

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The Mac
4.69%
4.78%
$1,420.48
$400

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Variable Home Loan

The Mac's Variable Home Loan offers a low rate Variable home loan with rates from 4.78%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$250,000

Maximum loan amount$1,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate4.69%

Comparison rate4.78%

Repayments & Redraws

Monthly repayments (approx)$1,420

Total repayments (approx)$426,144

Total interest (approx)$676,144

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $400

Legal fee $0

Valuation fee $270

Settlement fee $0

Discharge fee $220

Regular or monthly fee

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW

Other

SponsoredNo

Data accurate as of20/04/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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True Value Standard Variable

Our true value standard variable rate home loan gives you a competitive standard variable interest rate. It also comes with a range of flexible features to help with managing your loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$10,000

Maximum loan amount$1,000,000

Minimum loan term 5 yeaqrs

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.17%

Comparison rate5.24%

Repayments & Redraws

Monthly repayments (approx)$1,492

Total repayments (approx)$447,669

Total interest (approx)$697,669

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees Yes

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rate is current as at 07/04/17 and subject to change without notice. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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True Basic Variable

Our true basic variable home loan is a simple home loan with our lowest variable rate with all the necessary features you’d expect. 

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR N/A

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Variable

Advertised rate4.1%

Comparison rate4.13%

Repayments & Redraws

Monthly repayments (approx)$1,338

Total repayments (approx)$401,616

Total interest (approx)$651,616

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees Yes

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rate is current as at 07/04/17 and subject to change without notice. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Standard variable rate - Owner occupied

Credit Union SA's Standard variable rate - Owner occupied offers a low rate Variable home loan with comparison rates from 5.31%

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.25%

Comparison rate5.31%

Repayments & Redraws

Monthly repayments (approx)$1,502

Total repayments (approx)$450,783

Total interest (approx)$700,783

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

Other

SponsoredNo

Data accurate as of22/11/2017

Comparison warning Comparison rates are based on a $150,000 secured loan for 25 years. 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.

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Standard Variable Rate - Investment Home Loan

Credit Union SA's Standard Variable Rate - Investment Home Loan offers a low rate Variable home loan with comparison rates from 5.70%

Home Loan Overview

Maximum LVR 97%

Maximum insured LVR 97%

Minimum loan amount$40,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.64%

Comparison rate5.70%

Repayments & Redraws

Monthly repayments (approx)$1,560

Total repayments (approx)$468,258

Total interest (approx)$718,258

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilitySA

Other

SponsoredNo

Data accurate as of22/11/2017

Comparison warning Comparison rates are based on a $150,000 secured loan for 25 years. 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.

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Standard Variable Investment Loan

G&C Mutual Bank's Standard Variable Investment Loan offers a low rate Variable home loan with rates from 5.61%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$10,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.58%

Comparison rate5.61%

Repayments & Redraws

Monthly repayments (approx)$1,550

Total repayments (approx)$465,084

Total interest (approx)$715,084

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $500

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $300

Regular or monthly fee

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of20/04/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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Standard Variable Investment Loan

Victoria Teachers Mutual Bank's Standard Variable Investment Loan offers a low rate Variable home loan with rates from 5.14%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$10,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.09%

Comparison rate5.14%

Repayments & Redraws

Monthly repayments (approx)$1,478

Total repayments (approx)$443,445

Total interest (approx)$693,445

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of20/04/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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Standard Variable Investment Loan

Victoria Teachers Mutual Bank's Standard Variable Investment Loan offers a low rate Variable home loan with rates from 5.34%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$10,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.29%

Comparison rate5.34%

Repayments & Redraws

Monthly repayments (approx)$1,507

Total repayments (approx)$452,289

Total interest (approx)$702,289

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $350

Regular or monthly fee

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierNo

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of20/04/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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Standard Variable Home Loan

G&C Mutual Bank's Standard Variable Home Loan offers a low rate Variable home loan with rates from 5.26%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$10,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.23%

Comparison rate5.26%

Repayments & Redraws

Monthly repayments (approx)$1,498

Total repayments (approx)$449,448

Total interest (approx)$699,448

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $500

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $300

Regular or monthly fee

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of20/04/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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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Standard Variable Home Loan

Gateway Credit Union's Standard Variable Home Loan offers a low rate Variable home loan with rates from 5.02%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$20,000

Maximum loan amount$2,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate4.96%

Comparison rate5.02%

Repayments & Redraws

Monthly repayments (approx)$1,460

Total repayments (approx)$438,006

Total interest (approx)$688,006

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $200

Legal fee $275

Valuation fee $275

Settlement fee $0

Discharge fee $300

Regular or monthly fee

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of20/04/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

Hide info ˄

Standard Variable Home Loan

People's Choice Credit Union's Standard Variable Home Loan offers a low rate Variable home loan with rates from 5.26%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$20,000

Maximum loan amount$1,500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.21%

Comparison rate5.26%

Repayments & Redraws

Monthly repayments (approx)$1,497

Total repayments (approx)$449,370

Total interest (approx)$699,370

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee $200

Valuation fee $0

Settlement fee $150

Discharge fee $350

Regular or monthly fee

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of20/04/2017

Comparison warning Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 Rate home loans comparison from 100’s of Australian lenders. Compare interest rates for Variable Rate home loans, calculate repayment, review & save