Home Loan Variable Rate

If you're looking for a home loan with flexibility, we have three variable rate home loan options that may suit you.

What makes our home loans better?


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Flexible repayment options

Unlimited additional repayments and online redraw available

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Family Guarantee

Your family members can use the equity in their own home to provide additional security for part of your loan amount

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People first service

People first service and commitment to our customer-owned values



Our variable loans - what's the difference?

Find the loan that suits your needs

Interest rates shown for new Owner Occupied Principal and Interest loans.

Discount Variable
2.15 % PA 2.17 % PA
Rate for loans of $150,000+ up to 80% LVR
Comparison Rate*
  • Low variable interest rate
  • For home loans of $150,000 or more
  • No offset account
Application fee - usually $600 $0#
 Monthly fee $0
 Annual fee $0
Standard Variable in Package
2.34 % PA 2.75 % PA
Rate for Home Advantage Package loans of $700,000+ up to 80% LVR
Comparison Rate*
  • Discount on Standard Variable interest rate
  • For home loans of $150,000 or more
  • 100% offset account
 Application fee  $0
 Monthly fee  $0
 Annual fee  $350
Standard Variable
4.49 % PA 4.60 % PA
Rate for loans of $20,000+ up to 95% LVR
Comparison Rate*
  • Standard Variable interest rate
  • For home loans of $20,000 or more
  • 100% offset account
 Application fee - usually $600  $0#
 Monthly fee  $8
 Annual fee  $0

Up to $4,000 cashbackon eligible home loans


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For loans refinanced to Heritage with ≤80% LVR OR new loans with LMI.
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For owner occupied and investment home loans.
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Paid into your Heritage transaction account.

ⓘ Apply by 31 May and settle by 31 July 2022. T&C's apply. Click for full T&C's and FAQ's.
Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
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If you have a question about our home loans, please tap here for live assistance.