Variable Rate Home Loans

We make finding the right home loan easy for you.

A Variable Rate Home Loan is a loan in which the interest rate may fluctuate upwards or downwards in line with interest rate movements over the term of a loan.

Loan Features 

• Loan term can be up to 40 years. 
• Flexible repayments – weekly, fortnightly or monthly and additional payments often permitted. 
• Usually have a redraw facility to enable you to easily access any surplus repayments. 
• Often offer an Offset arrangement enabling you to offset credit funds held in a separate account against the loan balance. This reduces interest cost as you only pay interest on the net amount. 
• Can enable you to take advantage of favourable interest rate movements. 
• Can be used for Investors, Construction or Owner Occupiers. 
• With Construction Loans, progressive drawdowns can be arranged. 
• Can incorporate an interest only period, usually up to 5 years.

Product Name	Variable Rate	Additional Payments	Redraw Facility	Interest Only	Offset Facility
Basic Home Loan	Yes	Yes	Yes	Yes	No
Variable Rate Home Loan	Yes	Yes	Yes	Yes	Yes
Fixed Rate Home Loan	No	Yes	No	Yes	No
Line of Credit Facility	Yes	Yes	Yes	Yes	No

Speak to one of our Home Loan Experts to find the right solution for you.  Simply complete our Online Quote Form and one of our Loan Experts will contact you to discuss your options, and then negotiate the right lender terms, rate and conditions for you. 



We will organise all the paperwork, assist you with any documents that require signing and keep in touch with you to continually monitor your loan's performance.  As your lifestyle and circumstances change over time, we will work with you to ensure you are never held back with the wrong loan.  

Alternatively, please feel free to ring and speak to one of our Home Loan Experts on (08) 9381 8311, or email us and we will arrange for one of our team to speak with you in person.