Australian lenders standard variable interest rates

Information about Australian lenders standard variable interest rates.

The following table shows the current standard variable interest rates for the major Australian lenders.

This page is kept up to date when a lender adjusts their standard variable rate of interest. Check this page for information on whether a lender has moved their standard variable rate in line with the market.

Compare lenders standard variable rates

Rates last updated September 18th, 2018
$
Loan purpose
Offset account
Loan type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
5.58%
5.76%
$350
$10 monthly ($120 p.a.)
90%
Enjoy a 100% offset account, redraw facility, and up to 10 splits.
5.22%
5.36%
$600
$8 monthly ($96 p.a.)
80%
Standard variable home loan with a low doc option for self-employed borrowers.
3.54%
3.58%
$0
$0 p.a.
80%
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
3.89%
3.91%
$0
$0 p.a.
80%
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
$595
$0 p.a.
95%
No ongoing fees, unlimited extra repayments and a 100% offset account all help to pay off a home loan sooner.
5.81%
5.97%
$600
$10 monthly ($120 p.a.)
95%
A no frills home loan with a 100% offset account and high maximum LVR.
$600
$8 monthly ($96 p.a.)
95%
An option to link a 100% offset account to save on interest.

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Marc Terrano

Marc Terrano is a content marketer manager at finder. He's been writing and publishing personal finance content for over five years and loves to help Australians get a better deal.

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UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Loans over $150k get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150k+ Owner Occupier, P&I) Discount 1

New borrowers or refinancers can get a discounted rate with this package loan. Bonus $1,500 cashback for refinancers.

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