Important disclosure
How to find the best variable home loan rates
A variable rate home loan may provide flexible options for paying your mortgage. Search and compare variable home loan rates from over 100 lenders to find the mortgage that best suits your needs.
Low Rate Home Loan - Prime (OO) (P&I)
Gold Award Winner 2022
2.64
% p.a
Variable
2.64
% p.a
Do you have 40% deposit or equity available? Pay no ongoing fees and enjoy access to extra repayments and a redraw facility for your owner-occupied home loan.
Find and compare variable rate home loans
Product Variable Rate Home Loan – Refinance Only Real Time Rating™ | Interest Rate 2.64 % p.a Variable | Comparison Rate* 2.56 % p.a | Company | Repayment $1,367 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a. | Built by CBA, this home loan deal allows borrowers who refinance benefit from an ongoing loyalty discount | Highlighted |
Product Smart Booster Home Loan Discounted Variable - 2yr Real Time Rating™ | Interest Rate 3.10 % p.a Intro 24 months | Comparison Rate* 3.46 % p.a | Company | Repayment $1,502 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Buyers and refinancers can benefit from this special discounted rate, plus no ongoing fees and optional access to an offset account. | ||
Product Neat Home Loan Real Time Rating™ | Interest Rate 2.64 % p.a Variable | Comparison Rate* 2.65 % p.a | Company | Repayment $1,367 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | A straightforward home loan with a low variable rate, unlimited extra repayments with redraw, and no ongoing fees. | ||
Product Low Rate Home Loan - Prime (Owner Occupied) (Principal and Interest) Real Time Rating™ Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.64 % p.a Variable | Comparison Rate* 2.64 % p.a | Company | Repayment $1,367 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Do you have 40% deposit or equity available? Pay no ongoing fees and enjoy access to extra repayments and a redraw facility for your owner-occupied home loan. | |
Product Live-in Variable Real Time Rating™ | Interest Rate 2.59 % p.a Variable | Comparison Rate* 2.60 % p.a | Company | Repayment $1,359 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply. | ||
Product Variable Home Loan Real Time Rating™ | Interest Rate 2.59 % p.a Variable | Comparison Rate* 2.49 % p.a | Company | Repayment $1,359 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Receive $5,000 AUD cashback when you refinance your existing home loan ~ Ends in 23 days | ||
Product Yard Home Loan (Special) Real Time Rating™ | Interest Rate 2.84 % p.a Variable | Comparison Rate* 2.88 % p.a | Company | Repayment $1,398 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Yard’s low-rate variable special home loan ~ Ends in about 2 months | ||
Product Real Deal Home Loan Real Time Rating™ | Interest Rate 2.87 % p.a Variable | Comparison Rate* 2.91 % p.a | Company | Repayment $1,402 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Cashback Refinance and get up to $3,000 cashback. $2,000 cashback on loans ≥$250K; bonus $1,000 cashback on loans ≥$500K. LVR ≤90%. Limited time offers extended. T&Cs apply. ~ Ends in 3 months | ||
Product Discount Variable Real Time Rating™ | Interest Rate 2.90 % p.a Variable | Comparison Rate* 2.96 % p.a | Company | Repayment $1,407 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Star Gold Home Loan Real Time Rating™ Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.44 % p.a Variable | Comparison Rate* 2.49 % p.a | Company | Repayment $1,337 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | ||
Product Back to Basics Home Loan Special Offer Real Time Rating™ | Interest Rate 2.72 % p.a Variable | Comparison Rate* 2.73 % p.a | Company | Repayment $1,379 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Cashback Receive $3,000 cash when you take out a Suncorp Bank home loan of $750K or more with LVR <=90%. Apply by 30 November 2022, settle by 28 February 2023. Unless withdrawn prior. T&Cs & eligibility criteria apply. ~ Ends in 5 months | ||
Product Ocean Owner Occupied Variable (No Annual Fee) Real Time Rating™ Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.69 % p.a Variable | Comparison Rate* 2.76 % p.a | Company | Repayment $1,375 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | ||
Product Smart Booster Investor Bundle Discount Variable - 1 Year (Principal and Interest) Real Time Rating™ | Interest Rate 3.24 % p.a Intro 12 months | Comparison Rate* 3.96 % p.a | Company | Repayment $1,582 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Investment) (Interest Only) Real Time Rating™ | Interest Rate 3.19 % p.a Variable | Comparison Rate* 2.99 % p.a | Company | Repayment $798 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Investment) (Principal and Interest) Real Time Rating™ | Interest Rate 2.79 % p.a Variable | Comparison Rate* 2.79 % p.a | Company | Repayment $1,390 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Yard Home Loan (Special) Real Time Rating™ Winner of Best Variable Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.94 % p.a Variable | Comparison Rate* 2.98 % p.a | Company | Repayment $1,413 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Yard’s low-rate variable special home loan ~ Ends in about 2 monthsWinner of Best Variable Home Loan, RateCity Gold Awards 2022 | ||
Product Ocean SMSF (With Offset) Real Time Rating™ | Interest Rate 4.59 % p.a Variable | Comparison Rate* 4.80 % p.a | Company | Repayment $1,148 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Owner Occupied) (Interest Only) Real Time Rating™ | Interest Rate 2.94 % p.a Variable | Comparison Rate* 2.74 % p.a | Company | Repayment $735 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Owner Occupied) (Interest Only) Real Time Rating™ | Interest Rate 3.04 % p.a Variable | Comparison Rate* 2.84 % p.a | Company | Repayment $760 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Investment) (Interest Only) Real Time Rating™ | Interest Rate 3.09 % p.a Variable | Comparison Rate* 2.89 % p.a | Company | Repayment $773 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site |