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Variable Home Loans

Company Product Advertised Rate Comparison Rate Apply
Browse more Variable Rate Mortgages > Presented-by-ratecity

These home loans are ranked by the advertised interest rate on a balance of $250,000 over 25 years.

The comparison rate is based on secured credit of $150,000 and a term of 25 years. The comparison rate applies only to the example 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.

Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.

Standard Variable Offset 4.84% variable 5.06% Go to Site
UHomeLoan (for refinancing) 4.87% variable 4.87% Go to Site
Pro Pack Refinance and Purchase 4.92% variable 4.93% Go to Site
Pro Pack 75 4.95% variable 5.29% Go to Site
Ultimate Home Loan Package Variable 5.19% variable 5.55% Go to Site
First Home Buyers Loan Package - First Homebuyers 5.19% variable 5.51% Go to Site

RateCity News

Car finance tricks and traps

Sat, 18 May, 2013

The deals on offer look pretty attractive. But reports suggest not all deals are what they seem with some motorists allegedly paying more in interest than the cost of their new cars.

Savings rate gouge

Fri, 17 May, 2013

A RateCity analysis reveals that institutions have slashed savings rates by 0.30 percentage points on average, which is more than the RBA’s 0.25 percentage point cut.

Where are the credit card rate cuts?

Wed, 15 May, 2013

Credit card rates rarely make the headlines; a look at the figures shows just how little they’ve changed.

What all women need to know about money

Mon, 13 May, 2013

Four money tips every woman should know, and which could help men too.

What every woman should know about money

Mon, 13 May, 2013

Four finance tips every woman will benefit from knowing.

Boomers more accident prone than Gen Y

Sat, 11 May, 2013

The “at-risk” generation Y group filed fewer than 10 percent of all claims in the past three years. By comparison, baby boomers accounted for almost 40 percent of all claims made in the same period.

* Methodology and Disclaimer:

All savings are projected potential interest savings over next 12 months, based on switching an average or typical loan/balance to the top deal available on RateCity as at 6/11/2012 and do not represent guaranteed savings.

Home loan savings based on typical $300,000 home loan over 30 years, switching from the average variable rate across all home loans in RateCity’s database of 6.08% to the lowest variable rate on RateCity of 5.42%, as at 6/11/2012, excluding introductory rates.

Credit card savings based on average credit card debt of $2,373 (source: RBA), making minimum repayments of 2.5% each month, switching from average credit card purchase rate of 17.26% across all personal credit cards in RateCity’s database, to lowest and longest balance transfer available on RateCity (0% for 12 months), as at 6/11/2012. Additional repayments are recommended to maximise the long term effectiveness of the balance transfer.

Savings account savings based on additional interest on median national savings balance of $9,375 (source: ING DIRECT Financial Wellbeing Index Oct 2012), switching from average online savings base rate of 3.11% out of all online savings accounts in RateCity’s database the most competitive deal available on RateCity (5.17% for 4 months, then 4.37%).

Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.

RateCity is Australia's leading financial comparison website where Australians can search, compare and apply for over 13,000 financial products from over 250 institutions. Compare from a huge range of products such as credit cards, car insurance, transaction accounts, investment accounts including savings accounts and term deposit accounts. Also featured are loans, which range from car loans to personal loans and mortgages. RateCity is here to help you find products that suit your needs.