Investor variable home loan rates we track
Ranked by advertised rate, the leading investor variable home loan we track is Up's at 6.35% comparison (6.35% advertised) - rates as at 1 Nov 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Australian investor variable home loan rates, ranked by advertised rate.
Fee data: ongoing fees are not tracked for investor products yet. They often differ from the owner-occupier version of the same loan, so we show none rather than guess.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
UpBestUp Home Loan - variable (investor) | Variable | 6.35% | 6.35% | — | link |
BOQBOQ Economy Variable Home Loan - variable, no-offset (investor) | Variable | 6.38% | 6.52% | — | link |
Bank of ChinaDiscount Home Loan - investor, P&I | Variable | 6.38% | 6.58% | — | link |
Bank of ChinaDiscount Plus Home Loan - investor, P&I | Variable | 6.38% | 6.76% | — | link |
HeritageHeritage Discount Variable Home Loan - variable, no-offset (investor) | Variable | 6.39% | 6.40% | — | link |
People First BankBasic Variable Investment Loan - P&I, <=70% LVR (investor) | Variable | 6.39% | 6.40% | — | link |
WestpacBig 5Flexi First Option Home Loan - variable, basic $0-fee loan, 'Discounted rate' used (investor) | Variable | 6.39% | 6.40% | — | link |
Bendigo BankBendigo Easy Home Loan - variable, basic no-offset loan, <=50% LVR (investor) | Variable | 6.39% | 6.41% | — | link |
MacquarieBig 5Macquarie Basic Home Loan - variable, no-fee, <=70% LVR (investor) | Variable | 6.39% | 6.41% | — | link |
AMP BankAMP Essential Home Loan - investor, P&I | Variable | 6.39% | 6.42% | — | link |
INGING Mortgage Simplifier - variable, $0 ongoing fee, 100% offset with Orange Everyday, <=70% LVR (investor) | Variable | 6.39% | 6.42% | — | link |
MacquarieBig 5Macquarie Offset Home Loan - variable, <=70% LVR (investor) | Variable | 6.39% | 6.64% | — | link |
ME BankME Bank EconoME Home Loan - variable, no-offset basic loan (investor) | Variable | 6.43% | 6.45% | — | link |
Greater BankGreat Rate Home Loan (incl. discounted rate) - variable, investor, P&I | Variable | 6.44% | 6.45% | — | link |
CBABig 5CommBank Digi Home Loan (Investment) - variable, digital-only, lowest-LVR flagship | Variable | 6.44% | 6.46% | — | link |
UbankUbank Neat Variable Home Loan - variable, no-offset, <=70% LVR (investor) | Variable | 6.44% | 6.46% | — | link |
MyState BankBasic Variable Loan - investor, P&I | Variable | 6.44% | 6.49% | — | link |
MyState BankSpecial Residential Variable Loan - investor, P&I | Variable | 6.44% | 6.49% | — | link |
IMB BankBudget Home Loan - investor, P&I | Variable | 6.44% | 6.50% | — | link |
Bendigo BankBendigo Flex Home Loan - variable, package loan with offset, <=50% LVR (investor) | Variable | 6.44% | 6.62% | — | link |
UbankUbank Flex Variable Home Loan - variable with offset, <=70% LVR (investor) | Variable | 6.44% | 6.68% | — | link |
NABBig 5NAB Tailored Home Loan - Residential Investor, P&I | Variable | 6.45% | 6.58% | — | link |
Beyond BankBeyond Bank Purple Basic Variable Home Loan - variable, no-offset basic loan, <=60% LVR (investor) | Variable | 6.49% | 6.52% | — | link |
Great Southern BankBasic Variable Home Loan - Investor | Variable | 6.49% | 6.55% | — | link |
Teachers Mutual BankYour Way Home Loan - investor, P&I | Variable | 6.49% | 6.56% | — | link |
IMB BankEssentials Home Loan - investor, P&I | Variable | 6.49% | 6.66% | — | link |
Bank AustraliaBank Australia Offset Home Loan - variable with offset, <=70% LVR (investor) | Variable | 6.49% | 6.68% | — | link |
Teachers Mutual BankYour Way Plus Home Loan - investor, P&I | Variable | 6.49% | 6.79% | — | link |
Beyond BankBeyond Bank Total Home Loan Package - variable with offset, <=60% LVR (investor) | Variable | 6.49% | 6.84% | — | link |
ME BankME Bank CompleteME Home Loan - variable with offset (investor) | Variable | 6.49% | 6.87% | — | link |
P&N BankBasic Variable Home Loan - investor, P&I | Variable | 6.54% | 6.57% | — | link |
Bank of SydneyBOS Basic Home Loan - investor, P&I | Variable | 6.54% | 6.58% | — | link |
BOQBOQ Clear Path Variable Rate Home Loan - variable with offset (investor) | Variable | 6.54% | 6.66% | — | link |
Qudos BankLow Cost Investment Home Loan (Value Package) | Variable | 6.54% | 6.72% | — | link |
INGING Orange Advantage - variable, package loan with offset, <=80% LVR (investor) | Variable | 6.54% | 6.82% | — | link |
P&N BankOffset Variable Home Loan - investor, P&I | Variable | 6.57% | 6.60% | — | link |
Bank AustraliaBank Australia Basic Home Loan - variable, no-offset (investor) | Variable | 6.59% | 6.59% | — | link |
Qudos BankNo Frills Investment Home Loan | Variable | 6.59% | 6.59% | — | link |
RACQ BankFair Dinkum Home Loan - investor, P&I | Variable | 6.59% | 6.59% | — | link |
AMP BankProfessional Package home loan - investor, P&I | Variable | 6.59% | 7.00% | — | link |
Unity BankMomentum Home Loan - variable, investor, P&I | Variable | 6.60% | 6.65% | — | link |
Great Southern BankOffset Variable Home Loan - Investor | Variable | 6.60% | 6.66% | — | link |
Unity BankAdvantage Home Loan with offset - investor, P&I | Variable | 6.64% | 6.69% | — | link |
BankwestBankwest Simple Home Loan - investor, P&I | Variable | 6.69% | 6.72% | — | link |
BankwestComplete Variable Home Loan Package - investor, P&I | Variable | 6.69% | 7.08% | — | link |
Bank of MelbourneBasic Variable Home Loan - investor, P&I | Variable | 6.79% | 6.80% | — | link |
BankSABasic Variable Home Loan - investor, P&I | Variable | 6.79% | 6.80% | — | link |
St.GeorgeBasic Variable Home Loan - investor, P&I | Variable | 6.79% | 6.80% | — | link |
RACQ BankMortgage Breaker - variable, investor, P&I | Variable | 6.79% | 6.83% | — | link |
CBABig 5CommBank Standard Variable Rate Home Loan (Investment) - full-feature variable, $10k+ balance | Variable | 6.79% | 7.16% | — | link |
Bank of MelbourneVariable Home Loan with Offset - investor, P&I | Variable | 6.84% | 7.21% | — | link |
BankSAVariable Home Loan with Offset - investor, P&I | Variable | 6.84% | 7.21% | — | link |
St.GeorgeVariable Home Loan with Offset - investor, P&I | Variable | 6.84% | 7.21% | — | link |
WestpacBig 5Rocket Repay Home Loan - variable with offset, Premier Advantage package, <=70% LVR (investor) | Variable | 6.84% | 7.21% | — | link |
ANZBig 5ANZ Simplicity PLUS Home Loan - variable, no-offset, <=60% LVR (investor) | Variable | 6.89% | 6.89% | — | link |
Bank of SydneyExpect More Home Loan - investor, P&I | Variable | 7.09% | 7.23% | — | link |
NABBig 5NAB Base Variable Rate Home Loan - Residential Investment, P&I | Variable | 7.21% | 7.21% | — | link |
ANZBig 5ANZ Standard Variable Home Loan - variable, undiscounted retail rate (investor) | Variable | 8.09% | 8.09% | — | link |
Bank of ChinaStandard Variable Rate Home Loan - investor, P&I | Variable | 8.95% | 9.02% | — | link |