Variable home loan rates we track
Ranked by advertised rate, the leading variable home loan we track is Greater Bank's at 6.10% comparison (6.09% advertised) - rates as at 28 Oct 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 variable owner-occupier home loan rates, ranked by advertised rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Greater BankBestGreat Rate Home Loan (incl. discounted rate) - variable, owner-occupier, P&I | Variable | 6.09% | 6.10% | — | link |
Bank of ChinaDiscount Home Loan - owner-occupier, P&I | Variable | 6.18% | 6.38% | — | link |
Bank of ChinaDiscount Plus Home Loan - owner-occupier, P&I | Variable | 6.18% | 6.56% | — | link |
Teachers Mutual BankYour Way Home Loan - owner-occupier, P&I | Variable | 6.19% | 6.25% | — | link |
Teachers Mutual BankYour Way Plus Home Loan - owner-occupier, P&I | Variable | 6.19% | 6.49% | — | link |
UpUp Home Variable Rate Loan | Variable | 6.20% | 6.20% | 90% | link |
WestpacBig 5Flexi First Option Home Loan | Variable | 6.24% | 6.25% | 70% | link |
HeritageDiscount Variable Home Loan | Variable | 6.24% | 6.25% | 70% | link |
People First BankBasic Variable Home Loan - owner-occupier, P&I, <=70% LVR | Variable | 6.24% | 6.25% | — | link |
ME BankEconoME Home Loan | Variable | 6.24% | 6.26% | 70% | link |
AMP BankAMP Essential Home Loan - owner-occupier, P&I | Variable | 6.24% | 6.27% | — | link |
Bank of SydneyBOS Basic Home Loan - owner-occupier, P&I | Variable | 6.24% | 6.28% | — | link |
Unity BankMomentum Home Loan - variable, owner-occupier, P&I | Variable | 6.24% | 6.29% | — | link |
BOQEconomy Variable Home Loan | Variable | 6.28% | 6.42% | 70% | link |
MacquarieBig 5Basic Home Loan | Variable | 6.29% | 6.31% | 70% | link |
INGMortgage Simplifier | Variable | 6.29% | 6.32% | 70% | link |
IMB BankBudget Home Loan - owner-occupier, P&I | Variable | 6.29% | 6.32% | — | link |
MyState BankBasic Variable Loan - owner-occupier, P&I | Variable | 6.29% | 6.32% | — | link |
MyState BankSpecial Residential Variable Loan - owner-occupier, P&I | Variable | 6.29% | 6.34% | — | link |
Great Southern BankBasic Variable Home Loan | Variable | 6.29% | 6.35% | 70% | link |
NABBig 5Tailored Home Loan | Variable | 6.29% | 6.42% | 70% | link |
MacquarieBig 5Offset Home Loan | Variable | 6.29% | 6.54% | 70% | link |
ME BankCompleteME Home Loan | Variable | 6.29% | 6.67% | 70% | link |
BendigoEasy Home Loan | Variable | 6.34% | 6.36% | 60% | link |
UbankNeat Variable | Variable | 6.34% | 6.36% | 70% | link |
CBABig 5Digi Home Loan | Variable | 6.34% | 6.36% | — | link |
Beyond BankPurple Basic Variable Home Loan | Variable | 6.34% | 6.37% | 60% | link |
UbankFlex Variable | Variable | 6.34% | 6.58% | 70% | link |
Beyond BankTotal Home Loan Package (Variable) | Variable | 6.34% | 6.69% | 60% | link |
Bank AustraliaBasic Home Loan | Variable | 6.38% | 6.38% | 70% | link |
Qudos BankNo Frills Home Loan | Variable | 6.38% | 6.38% | 70% | link |
P&N BankBasic Variable Home Loan - owner-occupier, P&I | Variable | 6.38% | 6.41% | — | link |
Qudos BankLow Cost Home Loan (Value Package) | Variable | 6.38% | 6.56% | 70% | link |
Bank AustraliaOffset Home Loan | Variable | 6.38% | 6.57% | 70% | link |
RACQ BankFair Dinkum Home Loan - owner-occupier, P&I | Variable | 6.39% | 6.39% | — | link |
Great Southern BankOffset Variable Home Loan | Variable | 6.39% | 6.45% | 70% | link |
IMB BankEssentials Home Loan - owner-occupier, P&I | Variable | 6.39% | 6.50% | — | link |
BOQClear Path Variable Rate Home Loan | Variable | 6.39% | 6.51% | 80% | link |
BendigoFlex Home Loan | Variable | 6.39% | 6.57% | 50% | link |
P&N BankOffset Variable Home Loan - owner-occupier, P&I | Variable | 6.42% | 6.45% | — | link |
BankwestBankwest Simple Home Loan - owner-occupier, P&I | Variable | 6.44% | 6.47% | — | link |
Unity BankAdvantage Home Loan with offset - owner-occupier, P&I | Variable | 6.44% | 6.49% | — | link |
INGOrange Advantage | Variable | 6.44% | 6.73% | 80% | link |
BankwestComplete Variable Home Loan Package - owner-occupier, P&I | Variable | 6.44% | 6.83% | — | link |
RACQ BankMortgage Saver Home Loan - owner-occupier, P&I | Variable | 6.49% | 6.53% | — | link |
AMP BankProfessional Package home loan - owner-occupier, P&I | Variable | 6.53% | 6.94% | — | link |
Bank of MelbourneBasic Variable Home Loan - owner-occupier, P&I | Variable | 6.54% | 6.55% | — | link |
BankSABasic Variable Home Loan - owner-occupier, P&I | Variable | 6.54% | 6.55% | — | link |
St.GeorgeBasic Variable Home Loan - owner-occupier, P&I | Variable | 6.54% | 6.55% | — | link |
Bank of SydneyExpect More Home Loan - owner-occupier, P&I | Variable | 6.54% | 6.69% | — | link |
RACQ BankMortgage Breaker - variable, owner-occupier, P&I | Variable | 6.59% | 6.63% | — | link |
CBABig 5Standard Variable Rate | Variable | 6.59% | 6.97% | — | link |
ANZBig 5Simplicity PLUS Home Loan | Variable | 6.64% | 6.64% | 60% | link |
WestpacBig 5Rocket Repay Home Loan (Premier Advantage Pkg) | Variable | 6.64% | 7.01% | 70% | link |
Bank of MelbourneVariable Home Loan with Offset - owner-occupier, P&I | Variable | 6.64% | 7.01% | — | link |
BankSAVariable Home Loan with Offset - owner-occupier, P&I | Variable | 6.64% | 7.01% | — | link |
St.GeorgeVariable Home Loan with Offset - owner-occupier, P&I | Variable | 6.64% | 7.01% | — | link |
NABBig 5Base Variable Rate Home Loan | Variable | 6.69% | 6.69% | — | link |
ANZBig 5Standard Variable Home Loan | Variable | 7.49% | 7.49% | 80% | link |
Bank of ChinaStandard Variable Rate Home Loan - owner-occupier, P&I | Variable | 8.64% | 8.71% | — | link |