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Best variable home loans

RateCity's top-rated home loans with a variable interest rate. Assumes a $400,000 mortgage with a maximum LVR of 80%.

Ranking
1
1 position up today
Advertised Rate

1.94

% p.a

Variable

Comparison Rate*

1.94

% p.a

Company
Repayment

$1,263

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.77

/ 5
Ranking
2
1 position down today
Advertised Rate

1.89

% p.a

Variable

Comparison Rate*

2.04

% p.a

Company
Repayment

$1,256

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.58

/ 5
Ranking
3
1 position up today
Product
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.04

% p.a

Company
Repayment

$1,270

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.40

/ 5
Ranking
4
71 position up today
Advertised Rate

1.89

% p.a

Variable

Comparison Rate*

1.93

% p.a

Company
Repayment

$1,256

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.33

/ 5
Ranking
5
1 position down today
Advertised Rate

2.09

% p.a

Variable

Comparison Rate*

2.11

% p.a

Company
Repayment

$1,285

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.43

/ 5
Ranking
6
1 position down today
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.02

% p.a

Company
Repayment

$1,270

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.21

/ 5
Ranking
7
1 position down today
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.02

% p.a

Company
Repayment

$1,270

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.19

/ 5
Ranking
8
1 position down today
Advertised Rate

1.94

% p.a

Variable

Comparison Rate*

1.98

% p.a

Company
Repayment

$1,263

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.07

/ 5
Ranking
9
1 position down today
Advertised Rate

2.14

% p.a

Variable

Comparison Rate*

2.14

% p.a

Company
Repayment

$1,292

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.34

/ 5
Ranking
10
1 position down today
Advertised Rate

2.08

% p.a

Variable

Comparison Rate*

2.36

% p.a

Company
Repayment

$1,283

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.21

/ 5
Ranking
11
1 position down today
Advertised Rate

2.09

% p.a

Variable

Comparison Rate*

2.26

% p.a

Company
Repayment

$1,285

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.10

/ 5
Ranking
12
1 position up today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.31

% p.a

Company
Repayment

$1,314

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.61

/ 5
Ranking
13
1 position down today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.31

% p.a

Company
Repayment

$1,314

monthly

Features
Redraw facility
Offset Account
Borrow up to 94.99%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.12

/ 5
Ranking
14
3 position down today
Advertised Rate

2.09

% p.a

Variable

Comparison Rate*

2.12

% p.a

Company
Repayment

$1,285

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.90

/ 5
Ranking
15
3 position down today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.25

% p.a

Company
Repayment

$1,299

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.01

/ 5
Ranking
16
13 position up today
Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.36

% p.a

Company
Repayment

$1,322

monthly

Features
Redraw facility
Offset Account
Borrow up to 94.99%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.00

/ 5
Ranking
17
16 position up today
Advertised Rate

2.09

% p.a

Intro 24 months

Comparison Rate*

2.52

% p.a

Company
Repayment

$1,359

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.05

/ 5
Ranking
18
1 position up today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.45

% p.a

Company
Repayment

$1,299

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.78

/ 5
Ranking
19
1 position up today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.08

% p.a

Company
Repayment

$1,299

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.69

/ 5
Ranking
20
1 position down today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.31

% p.a

Company
Repayment

$1,314

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.87

/ 5