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Looking for the best variable rate mortgage?

When it comes to finding the best variable rate mortgage, it’s vital that you weigh up the pros and cons of even the lowest variable rate home loans available in Perth WA, Bayside Melbourne and Mornington Peninsula Victoria.

Variable rate home loans are the most popular type of home loan in Australia. They often provide additional flexibility, but the interest rate varies according to the Reserve Bank of Australia’s interest rate changes and the costs associated with sourcing funds to lend.

The lowest variable rate home loan?

The best variable rate mortgages are generally broken into two categories: basic and standard.

The basic variable rate includes basic home loan features – you won’t have access to features such as a redraw facility, but this also means the interest rate is generally slightly lower.

The standard variable rate is traditionally slightly higher, but you receive extra features such as a redraw facility, repayment frequency flexibility, portability and the option to pay in advance.

Our team can help

Variable loans generally require closer monitoring, especially if you overcapitalise and interest rates rise. Even with the best variable rate mortgages and lowest variable rate home loans, it’s important to budget for interest rate rises. So contact our mortgage consultants in Perth WA, Bayside Melbourne and Mornington Peninsula Victoria for help with choosing the lowest variable rate home loan and planning for the future.


Call us on 1300 532 273

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