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Broker service
Flexibility to move with the market
Enjoy repayment flexibility and benefit when rates fall. Ideal for borrowers who want freedom to make extra repayments and redraw funds.
A variable rate home loan has an interest rate that moves in line with the market - typically following changes made by the Reserve Bank. When rates fall, your repayments decrease; when rates rise, they increase. Most variable loans also allow unlimited extra repayments and come with a redraw facility, giving you the flexibility to pay down your mortgage faster while keeping access to your extra funds.
Variable rate loans are ideal for borrowers who want maximum flexibility. You can make extra repayments at any time - reducing your principal and cutting the total interest you pay over the life of the loan. Many variable products also include an offset account, which lets you reduce the interest charged by keeping savings alongside your loan balance. If you expect rates to fall or if you want the ability to refinance or sell without break fees, a variable rate is often the better choice.
Getting started is straightforward. Our brokers will assess your financial position, compare variable rate products across our lender panel, and present options suited to your goals. We handle the paperwork from application through to settlement, keeping you informed at every stage. Reach out today for an obligation-free conversation.
Share your number and we'll call back to discuss your property finance goals, borrowing position, and next steps.
