Best variable rate 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 down today
Advertised Rate

2.09%

Variable

Comparison Rate*

2.09%

Company
Pacific Mortgage Group
Repayment

$1,122

monthly

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

4.58

/ 5
Ranking
2
1 position up today
Advertised Rate

1.99%

Variable

Comparison Rate*

2.05%

Company
Reduce Home Loans
Repayment

$1,107

monthly

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

4.18

/ 5
Ranking
3
1 position down today
Advertised Rate

2.17%

Variable

Comparison Rate*

2.17%

Company
Freedom Lend
Repayment

$1,135

monthly

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

4.42

/ 5
Ranking
4
4 position down today
Advertised Rate

2.19%

Variable

Comparison Rate*

2.69%

Company
WLTH
Repayment

$1,138

monthly

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

4.16

/ 5
Ranking
5
1 position down today
Advertised Rate

2.14%

Variable

Comparison Rate*

2.17%

Company
Homestar Finance
Repayment

$1,130

monthly

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

4.00

/ 5
Ranking
6
1 position down today
Advertised Rate

2.19%

Variable

Comparison Rate*

2.34%

Company
Tic Toc
Repayment

$1,138

monthly

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

4.04

/ 5
Ranking
7
1 position down today
Advertised Rate

2.29%

Variable

Comparison Rate*

2.31%

Company
G&C Mutual Bank
Repayment

$1,153

monthly

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

4.13

/ 5
Ranking
8
1 position down today
Advertised Rate

2.17%

Variable

Comparison Rate*

2.20%

Company
Well Home Loans
Repayment

$1,135

monthly

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

3.95

/ 5
Ranking
9
1 position up today
Advertised Rate

2.34%

Variable

Comparison Rate*

2.34%

Company
UBank
Repayment

$1,161

monthly

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

3.70

/ 5
Ranking
10
1 position down today
Advertised Rate

2.29%

Variable

Comparison Rate*

2.23%

Company
Athena Home Loans
Repayment

$1,153

monthly

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

3.63

/ 5
Ranking
11
1 position down today
Advertised Rate

2.54%

Variable

Comparison Rate*

2.56%

Company
BankSA
Repayment

$1,192

monthly

Features
Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.87

/ 5
Ranking
12
1 position down today
Advertised Rate

2.34%

Variable

Comparison Rate*

2.35%

Company
86 400
Repayment

$1,161

monthly

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

3.66

/ 5
Ranking
13
1 position down today
Advertised Rate

2.29%

Variable

Comparison Rate*

2.32%

Company
Yard
Repayment

$1,153

monthly

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

3.61

/ 5
Ranking
14
1 position down today
Advertised Rate

2.59%

Variable

Comparison Rate*

2.61%

Company
St.George Bank
Repayment

$1,199

monthly

Features
Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.10

/ 5
Ranking
15
1 position up today
Advertised Rate

1.99%

Intro 12 months

Comparison Rate*

2.47%

Company
loans.com.au
Repayment

$1,182

monthly

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

3.56

/ 5
Ranking
16
1 position down today
Advertised Rate

2.39%

Variable

Comparison Rate*

2.61%

Company
Mortgage House
Repayment

$1,168

monthly

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

3.64

/ 5
Ranking
17
1 position down today
Advertised Rate

2.59%

Variable

Comparison Rate*

2.64%

Company
Citi
Repayment

$1,199

monthly

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

3.63

/ 5
Ranking
18
1 position down today
Advertised Rate

2.49%

Variable

Comparison Rate*

2.49%

Company
Hume Bank
Repayment

$1,184

monthly

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

3.52

/ 5
Ranking
19
1 position down today
Advertised Rate

2.19%

Intro 24 months

Comparison Rate*

2.56%

Company
Firstmac
Repayment

$1,199

monthly

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

3.39

/ 5
Ranking
20
1 position down today
Advertised Rate

1.99%

Intro 24 months

Comparison Rate*

2.93%

Company
Illawarra Credit Union
Repayment

$1,185

monthly

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

3.29

/ 5