Variable Rate Home Loans
Our home loan rate card is updated daily, with the best variable interest rates we have available.
With access to over 40 lenders and over 4,000 different home loan products. We are able to publish a comprehensive rate card of both fixed and variable interest rates.
Rates retrieved from our lender panel on 4 November 2026.
Owner Occupied home loan with 5% deposit†
6.24%
(6.26%)*
Y
N
$0
Owner Occupied home loan with 20% deposit
6.14%
(6.14%)*
Y
N
$500,000
Investment home loan with 10% deposit†
6.49%
(6.49%)*
Y
Y
$500,000
Investment home loan with 20% deposit
6.38%
(6.58%)*
Y
N
$250,000
Investment (interest only) home loan with 20% deposit
6.54%
(6.55%)*
Y
N
$150,000
Investment (interest only) home loan with 30% deposit
6.48%
(6.49%)*
Y
N
$150,000
Offset Home Loans home loan with 30% deposit
6.18%
(6.56%)*
Y
Y
$100,000
† Lenders Mortgage Insurance
Where a home loan has a deposit of less than 20% of the property value, Lenders
Mortgage Insurance (LMI) may be required. LMI is a one-off premium charged by the
lender, is payable in addition to the interest rate shown, and is not included in
the comparison rate. The amount depends on the lender, the size of your deposit
and the loan amount, and some lenders waive it for certain professions or reduce
it in particular LVR bands — so a product named as offering an LMI waiver
may still attract LMI depending on your circumstances.
Speak to your broker about whether LMI applies to your situation, or
estimate your LMI with our calculator.
Contact Sydney mortgage broker
With over 20 years of experience we will be able to help you navigate the different refinance cashback & special home loan offers, whilst finding a preferred interest rate or home loan product feature. Based in the Sydney CBD, Get a Better Rate partners with over 40 top Home Loan providers, with an in-depth knowledge of the Australian home loan landscape.
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