Compare Variable Rate Home Loans Australia

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Lender	Advertised rate	Comparison rate*	Monthly repayment	Rate Type	Ongoing Fee	Upfront Fees	Max LVR	as ofApril 5, 2026

	5.79^%_p.a.	5.83^%_p.a.	^$2,931	Variable	^$0	^$530	90^%	Go to site
FEATURED	loans.com.au – Bare Home Loan (Basic OO P&I <90%) No application, ongoing monthly or annual fees. Extra repayments allowed with fee-free redraw
Disclosure
FEATURED loans.com.au – Bare Home Loan (Basic OO P&I <90%) No application, ongoing monthly or annual fees. Extra repayments allowed with fee-free redraw Go to site Disclosure
	5.69^%_p.a.	5.60^%_p.a.	^$2,899	Variable	^$0	^$0	80^%	Go to site
FEATUREDBuilt and funded by CommBank	Unloan – Variable Rate Home Loan LVR < 80% No application or ongoing fees. Annual rate discount Unlimited redraws & additional repayments. LVR <80% A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Disclosure
FEATUREDBuilt and funded by CommBank Unloan – Variable Rate Home Loan LVR < 80% No application or ongoing fees. Annual rate discount Unlimited redraws & additional repayments. LVR <80% A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank. Go to site Disclosure
	5.74^%_p.a.	5.80^%_p.a.	^$2,915	Variable	^$0	^$1,225	80^%	More details
Up to $2,000 cashback	Reduce Home Loans – Basic Home Loan (Principal and Interest) LVR < 60%
Disclosure
Up to $2,000 cashback Reduce Home Loans – Basic Home Loan (Principal and Interest) LVR < 60% More details Disclosure
	5.83^%_p.a.	5.84^%_p.a.	^$2,943	Variable	^$0	^$0	60^%	More details
	Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR < 60%) (New Customer)
Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR < 60%) (New Customer) More details
	5.83^%_p.a.	5.98^%_p.a.	^$2,943	Variable	^$10	^$450	70^%	More details
	Bank of Queensland – Owner Occupied Economy Discount Rate (max 70% LVR)
Bank of Queensland – Owner Occupied Economy Discount Rate (max 70% LVR) More details
	5.84^%_p.a.	6.08^%_p.a.	^$2,947	Variable	^$250	^$250	60^%	More details
	Ubank – Flex variable home loan - 100% offset
Ubank – Flex variable home loan - 100% offset More details
	5.84^%_p.a.	5.85^%_p.a.	^$2,947	Variable	^$0	^$0	80^%	More details
	Tiimely Home – Live-in Variable Loan Home Loan (Principal and Interest) (LVR < 80%)
Tiimely Home – Live-in Variable Loan Home Loan (Principal and Interest) (LVR < 80%) More details
	5.84^%_p.a.	5.85^%_p.a.	^$2,947	Variable	^$0	^$0	70^%	More details
	Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR 60%-70%) (New Customer)
Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR 60%-70%) (New Customer) More details
	5.89^%_p.a.	6.01^%_p.a.	^$2,962	Variable	^$10	^$799	80^%	More details
	IMB Bank – Essentials Home Loan (Owner Occupier, Principal and Interest, LVR up to 80%)
IMB Bank – Essentials Home Loan (Owner Occupier, Principal and Interest, LVR up to 80%) More details
	5.89^%_p.a.	6.18^%_p.a.	^$2,962	Variable	^$350	^$350	70^%	More details
	ING – Orange Advantage (OO, P&I, $150k+, LVR >=60% - <70%)
ING – Orange Advantage (OO, P&I, $150k+, LVR >=60% - <70%) More details
	5.89^%_p.a.	6.26^%_p.a.	^$2,962	Variable	^$390	^$0	60^%	More details
	HSBC – Package Standard Variable Home Loan (Principal & Interest) (LVR < 60%)
HSBC – Package Standard Variable Home Loan (Principal & Interest) (LVR < 60%) More details
	5.89^%_p.a.	6.23^%_p.a.	^$2,962	Variable	^$395	^$0	80^%	More details
	Newcastle Permanent – Premium Plus Package - (LVR <80%)
Newcastle Permanent – Premium Plus Package - (LVR <80%) More details
	5.89^%_p.a.	5.89^%_p.a.	^$2,962	Variable	^$0	^$0	60^%	More details
	homeloans.com.au – Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 60%)
homeloans.com.au – Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 60%) More details
	5.89^%_p.a.	6.23^%_p.a.	^$2,962	Variable	^$0	^$790	98^%	More details
	Skip – Ultra Low Rate Variable (Owner Occupier, Principal & Interest, LVR <98%)
Skip – Ultra Low Rate Variable (Owner Occupier, Principal & Interest, LVR <98%) More details
	6.14^%_p.a.	6.14^%_p.a.	^$3,043	Variable	^$0	^$160	60^%	More details
	ANZ – ANZ Simplicity PLUS (Owner Occupier, Principal and Interest, max lvr 60%)
ANZ – ANZ Simplicity PLUS (Owner Occupier, Principal and Interest, max lvr 60%) More details
	5.89^%_p.a.	6.14^%_p.a.	^$2,962	Variable	^$0	^$300	70^%	More details
	Commonwealth Bank – Simple Home Loan (Owner Occupier, Principal and Interest, max lvr 70%)
Commonwealth Bank – Simple Home Loan (Owner Occupier, Principal and Interest, max lvr 70%) More details
	5.93^%_p.a.	5.96^%_p.a.	^$2,975	Variable	^$0	^$845	80^%	More details
	AMP – Essential Home Loan (Owner Occupied, Principal and Interest, $750,000+, <= LVR 80%)
AMP – Essential Home Loan (Owner Occupied, Principal and Interest, $750,000+, <= LVR 80%) More details
	5.94^%_p.a.	6.16^%_p.a.	^$2,978	Variable	^$15	^$484	60^%	More details
	Bendigo Bank – Complete Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 60%)
Bendigo Bank – Complete Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 60%) More details
	5.94^%_p.a.	6.34^%_p.a.	^$2,978	Variable	^$395	^$350	60^%	More details
	Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <60% LVR - P&I
Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <60% LVR - P&I More details
	6.04^%_p.a.	6.05^%_p.a.	^$3,011	Variable	^$0	^$100	70^%	More details
	Bank of Melbourne – Basic Home Loan (Principal & Interest LVR below 70%)
Bank of Melbourne – Basic Home Loan (Principal & Interest LVR below 70%) More details
	6.04^%_p.a.	6.05^%_p.a.	^$3,011	Variable	^$0	^$100	70^%	More details
	St.George – Basic Home Loan (Principal & Interest LVR below 70%)
St.George – Basic Home Loan (Principal & Interest LVR below 70%) More details
	6.09^%_p.a.	6.37^%_p.a.	^$3,027	Variable	^$295	^$0	95^%	More details
	Liberty Financial – Flexible Home Loan LVR >95% (Owner Occupier)
Liberty Financial – Flexible Home Loan LVR >95% (Owner Occupier) More details
	6.09^%_p.a.	6.44^%_p.a.	^$3,027	Variable	^$395	^$0	95^%	More details
	Beyond Bank – Total Home Loan Package First Home Buyer (Owner occupier, Principal and Interest, max lvr 95%)
Beyond Bank – Total Home Loan Package First Home Buyer (Owner occupier, Principal and Interest, max lvr 95%) More details
	6.34^%_p.a.	6.37^%_p.a.	^$3,108	Variable	^$0	^$400	0^%	More details
	Bank First – Basic Home Loan - LVR 80-90%
Bank First – Basic Home Loan - LVR 80-90% More details
	6.09^%_p.a.	6.11^%_p.a.	^$3,027	Variable	^$0	^$350	90^%	More details
	ME – EconoME Home Loan \| LVR 80 - 90% \| Balance >=$150k
ME – EconoME Home Loan \| LVR 80 - 90% \| Balance >=$150k More details
	6.14^%_p.a.	6.19^%_p.a.	^$3,043	Variable	^$0	^$600	90^%	More details
	MOVE Bank – Offset Home Loan (Principal & Interest) LVR 80-90%
MOVE Bank – Offset Home Loan (Principal & Interest) LVR 80-90% More details
	6.14^%_p.a.	6.52^%_p.a.	^$3,043	Variable	^$395	^$100	70^%	More details
	BankSA – Standard Variable Rate Home Loan with Advantage Package (P&I LVR below 70%)
BankSA – Standard Variable Rate Home Loan with Advantage Package (P&I LVR below 70%) More details
	6.19^%_p.a.	6.20^%_p.a.	^$3,059	Variable	^$0	^$100	70^%	More details
	Westpac – Flexi First Option Home Loan (Principal & Interest LVR up to 70%)
Westpac – Flexi First Option Home Loan (Principal & Interest LVR up to 70%) More details
	6.19^%_p.a.	6.19^%_p.a.	^$3,059	Variable	^$0	^$350	95^%	More details
	NAB – Base Variable Rate Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 95%)
NAB – Base Variable Rate Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 95%) More details
	6.24^%_p.a.	6.30^%_p.a.	^$3,075	Variable	^$0	^$0	90^%	More details
	Teachers Mutual Bank – Your Way Basic Variable (Owner Occupier >80%-90%)
Teachers Mutual Bank – Your Way Basic Variable (Owner Occupier >80%-90%) More details

Important Information and Comparison Rate Warning

loans.com.au – Bare Home Loan (Basic OO P&I <90%)

loans.com.au – Bare Home Loan (Basic OO P&I <90%)

Unloan – Variable Rate Home Loan LVR < 80%

Unloan – Variable Rate Home Loan LVR < 80%

Reduce Home Loans – Basic Home Loan (Principal and Interest) LVR < 60%

Reduce Home Loans – Basic Home Loan (Principal and Interest) LVR < 60%

Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR < 60%) (New Customer)

Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR < 60%) (New Customer)

Bank of Queensland – Owner Occupied Economy Discount Rate (max 70% LVR)

Bank of Queensland – Owner Occupied Economy Discount Rate (max 70% LVR)

Ubank – Flex variable home loan - 100% offset

Ubank – Flex variable home loan - 100% offset

Tiimely Home – Live-in Variable Loan Home Loan (Principal and Interest) (LVR < 80%)

Tiimely Home – Live-in Variable Loan Home Loan (Principal and Interest) (LVR < 80%)

Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR 60%-70%) (New Customer)

Suncorp Bank – Personal Purpose Back to Basics Special (Principal and Interest) (LVR 60%-70%) (New Customer)

IMB Bank – Essentials Home Loan (Owner Occupier, Principal and Interest, LVR up to 80%)

IMB Bank – Essentials Home Loan (Owner Occupier, Principal and Interest, LVR up to 80%)

ING – Orange Advantage (OO, P&I, $150k+, LVR >=60% - <70%)

ING – Orange Advantage (OO, P&I, $150k+, LVR >=60% - <70%)

HSBC – Package Standard Variable Home Loan (Principal & Interest) (LVR < 60%)

HSBC – Package Standard Variable Home Loan (Principal & Interest) (LVR < 60%)

Newcastle Permanent – Premium Plus Package - (LVR <80%)

Newcastle Permanent – Premium Plus Package - (LVR <80%)

homeloans.com.au – Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 60%)

homeloans.com.au – Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 60%)

Skip – Ultra Low Rate Variable (Owner Occupier, Principal & Interest, LVR <98%)

Skip – Ultra Low Rate Variable (Owner Occupier, Principal & Interest, LVR <98%)

ANZ – ANZ Simplicity PLUS (Owner Occupier, Principal and Interest, max lvr 60%)

ANZ – ANZ Simplicity PLUS (Owner Occupier, Principal and Interest, max lvr 60%)

Commonwealth Bank – Simple Home Loan (Owner Occupier, Principal and Interest, max lvr 70%)

Commonwealth Bank – Simple Home Loan (Owner Occupier, Principal and Interest, max lvr 70%)

AMP – Essential Home Loan (Owner Occupied, Principal and Interest, $750,000+, <= LVR 80%)

AMP – Essential Home Loan (Owner Occupied, Principal and Interest, $750,000+, <= LVR 80%)

Bendigo Bank – Complete Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 60%)

Bendigo Bank – Complete Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 60%)

Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <60% LVR - P&I

Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <60% LVR - P&I

Bank of Melbourne – Basic Home Loan (Principal & Interest LVR below 70%)

Bank of Melbourne – Basic Home Loan (Principal & Interest LVR below 70%)

St.George – Basic Home Loan (Principal & Interest LVR below 70%)

St.George – Basic Home Loan (Principal & Interest LVR below 70%)

Liberty Financial – Flexible Home Loan LVR >95% (Owner Occupier)

Liberty Financial – Flexible Home Loan LVR >95% (Owner Occupier)

Beyond Bank – Total Home Loan Package First Home Buyer (Owner occupier, Principal and Interest, max lvr 95%)

Beyond Bank – Total Home Loan Package First Home Buyer (Owner occupier, Principal and Interest, max lvr 95%)

Bank First – Basic Home Loan - LVR 80-90%

Bank First – Basic Home Loan - LVR 80-90%

ME – EconoME Home Loan | LVR 80 - 90% | Balance >=$150k

ME – EconoME Home Loan | LVR 80 - 90% | Balance >=$150k

MOVE Bank – Offset Home Loan (Principal & Interest) LVR 80-90%

MOVE Bank – Offset Home Loan (Principal & Interest) LVR 80-90%

BankSA – Standard Variable Rate Home Loan with Advantage Package (P&I LVR below 70%)

BankSA – Standard Variable Rate Home Loan with Advantage Package (P&I LVR below 70%)

Westpac – Flexi First Option Home Loan (Principal & Interest LVR up to 70%)

Westpac – Flexi First Option Home Loan (Principal & Interest LVR up to 70%)

NAB – Base Variable Rate Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 95%)

NAB – Base Variable Rate Home Loan (Variable, Owner Occupier, Principal and Interest, max lvr 95%)

Teachers Mutual Bank – Your Way Basic Variable (Owner Occupier >80%-90%)

Teachers Mutual Bank – Your Way Basic Variable (Owner Occupier >80%-90%)

Important Information

Editorial Integrity

Advertiser Disclosure

Product Coverage and Sort Order

Comparison Rate Warning and Base Criteria

Monthly Repayment Figures

Related Brands

General Advice Disclosure