Variable Rate Home Loans

A Variable Home Loan is a flexible mortgage option where the interest rate can change over time, typically in line with market movements or the lender’s benchmark rate. This means your repayments may increase or decrease during the life of the loan.

Key benefits include the potential to take advantage of falling interest rates, which can lower your repayments. Variable loans also offer flexibility, including the ability to make extra repayments without penalty, access to a redraw facility, and the option to link an offset account to reduce interest. We can also negotiate a discounted interest rate for the life of the loan, helping you save more over time.