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Our home loans

  • Discounted home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from***
6.04
%
p.a.
Comparison Rate*
6.06
%
p.a.
Monthly repayment#
$3,011
Rates from***
6.04
%
p.a.
Comparison Rate*
6.06
%
p.a.
Monthly repayment#
$3,011

Monthly repayment#
$3,011
  • Discounted green home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995
Rates from~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995

Monthly repayment#
$2,995
  • Discounted solar home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995
Rates from~~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995

Monthly repayment#
$2,995
  • $5,000 interest free Visa debit card
  • Unlimited free redraw
  • 20% deposit minimum
Rates from*
6.44
%
p.a.
Comparison Rate*
6.46
%
p.a.
Monthly repayment#
$3,141
Rates from*
6.44
%
p.a.
Comparison Rate*
6.46
%
p.a.
Monthly repayment#
$3,141

Monthly repayment#
$3,141
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

What is a variable rate home loan?

A variable rate home loan means your interest rate may change and either reduce or increase based on market conditions. Getting a variable rate also means you can make extra repayments on top of your scheduled instalments with no penalty. By doing so on a regular basis, you could cut down the length of your mortgage, reducing the overall amount of interest you'll need to pay.

At loans.com.au, we give our customers the option to add an offset sub-account to their variable rate home loans meaning you can save on interest charged on your home loan, and potentially shave years off your home loan.


Get started

Apply for a variable rate home loan online today. Or, one of our friendly lending specialist can do the hard work for you and manage your paperwork over the phone.

Either way, we can settle your loan quickly so you can start saving thousands sooner.

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Talk to a home loan expert

Book a time that suits you to chat with a lending specialist to take care of the paperwork for you.

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Ready to apply?

Call us on 13 10 90, or simply start your home loan application online.

Variable rates for all borrowers

We offer low variable home loan rates for all types of borrowers.

Whether you are looking to buy your own home, refinance your investment property loan, or are even looking to build an energy efficient ‘green’ home, we have low variable rates to suit.

Variable rates

Our owner occupied variable rates

Product Name

LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

Up to 90%

6.04%
6.06% comp rate*

6.54%
6.56% comp rate*

Up to 80%

6.44%
6.46% comp rate*

-

Owner Occupier
Principal & Interest

90% MAX LVR
Variable
Home Loan
6.04%
6.06%

Initial rate p.a

Comp rate p.a.*

80% MAX LVR
Zip
Home Loan
6.44%
6.46%

Variable rate p.a

Comp rate p.a.*

Our investor variable rates

Product Name

LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

Up to 90%

6.34%
6.36% comp rate*

6.74%
6.76% comp rate*

Investor
Principal & Interest

90% MAX LVR
Variable
Investor
Home Loan
6.34%
6.36%

Initial rate p.a

Comp rate p.a.*

Interest Only

90% MAX LVR
Variable
Investor
Home Loan
6.74%
%

Variable rate p.a

Comp rate p.a.*

Find your next home loan

For 10 years, we've been helping Aussies into their dream homes and saving them thousands. Find the right loan for you today so you can start saving too.

Want to see more home loan options? Compare our home loans

Why choose a variable rate home loan?

Make extra repayments

If you opt for variable instead of a fixed rate loan, you have the flexibility to make extra repayments and get ahead on your mortgage repayments.

Save on interest with an offset sub-account

You’ll also have the option to add an offset sub-account to your loan. For every dollar that’s in your offset sub-account instead of your home loan account, you won’t be charged interest on that amount, saving you money in the process.

Option to redraw funds

With variable rate home loans, you also have the option to redraw funds at your convenience, with some loans allowing for unlimited redraws.

Option to split with a fixed rate

If you’re not sure whether you want a variable rate home loan or a fixed home loan, why not have both? Get a split home loan, where a portion of your loan will be fixed and a portion will be variable, giving you the best of both worlds.

Borrow up to 90% LVR

Borrowers with a larger deposit will be rewarded with lower rates, but we can help with up to 90% LVR, or a deposit of 10% of the property’s value.

If you opt for variable instead of a fixed rate loan, you have the flexibility to make extra repayments and get ahead on your mortgage repayments.

You’ll also have the option to add an offset sub-account to your loan. For every dollar that’s in your offset sub-account instead of your home loan account, you won’t be charged interest on that amount, saving you money in the process.

With variable rate home loans, you also have the option to redraw funds at your convenience, with some loans allowing for unlimited redraws.

If you’re not sure whether you want a variable rate home loan or a fixed home loan, why not have both? Get a split home loan, where a portion of your loan will be fixed and a portion will be variable, giving you the best of both worlds.

Borrowers with a larger deposit will be rewarded with lower rates, but we can help with up to 90% LVR, or a deposit of 10% of the property’s value.

Join our other loans.com.au customers

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Incredible experience

Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!

Tim D.
25 Jul 2023

Brilliant service

Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.

Ominous B.
03 Jul 2023

Frequently asked questions

A variable rate mortgage offers much more flexibility in comparison to a fixed rate loan. Variable rate mortgages have a full redraw facility, allowing you to make unlimited additional repayments and withdraw them at any time. You can also opt to add an offset sub-account to your variable loan to maximise on your interest savings. And, if your lender reduces their rates across the board, you will benefit from a rate reduction.

If home loan interest rates change, your variable may or may not change depending on the type of interest rate change and how this affects your lender. Your interest rate can increase or decrease with market fluctuations, which may occur due to a number of different reasons, for example a change in the RBA cash rate, or a change in your lender’s funding costs.

Yes, you can change your home loan from a variable rate to a fixed rate, by simply reaching out to our Customer Care Team via phone on 1300 593 396, email customercare@loans.com.au, or by messaging us through Smart Money.

A discounted variable rate mortgage is a type of home loan that offers a discounted rate for a period of time, usually 12 or 24 months. After this discounted period expires, your interest rate will revert to a standard variable interest rate.

Our home loan application process

1
Apply online

Apply online

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2
Goodbye paperwork

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

3
Settle & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

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