Australian Lender’s Standard Variable Interest Rates

Rates and Fees verified correct on April 23rd, 2017

Information about Australian lender's 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 Lender's Standard Variable Rates

Rates last updated April 23rd, 2017.

ING DIRECT Mortgage Simplifier Home Loan - $150,000+ (LVR <= 80% Owner Occupier)

Comparison rate increases by 0.30% | Interest rate increases by 0.30%

December 12th, 2016

St.George Standard Variable Loan - Variable Rate (Owner Occupier, IO)

Comparison rate increases by 0.08% | Interest rate increases by 0.08%

December 16th, 2016

ME Basic Home Loan - LVR <=80% Owner Occupier

Interest rate decreased by 0.10%

January 4th, 2017

View latest updates

Jodie Humphries Jodie
Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
AMP Classic Variable Rate Loan - (Owner Occupier, P&I)
Enjoy a 100% offset account, redraw facility, and up to 10 splits.
5.50% 5.67% $350 $10 monthly ($120 p.a.) 90% Enquire now
ANZ Standard Variable Home Loan  - Variable
Make additional repayments and use your 100% offset to pay off your loan sooner.
5.25% 5.35% $600 $5 monthly ($60 p.a.) 90% Enquire now
Aussie Select Standard Variable - <$500k (LVR <= 80%) (Owner Occupier)
Borrow up to 95% LVR with no application fee and low ongoing fee.
3.99% 4.18% $0 $15 monthly ($180 p.a.) 80% Enquire now
Bank of Queensland Standard Variable Rate Home Loan - Variable (Owner Occupier)
A no frills variable rate home loan with mortgage offset account.
5.61% 5.77% $495 $10 monthly ($120 p.a.) 95% Enquire now
Citibank Standard Variable Loan - ≥ $500,000 LVR ≤ 80% Owner Occupier
A no-frills home loan that offers only the features you need.
5.67% 5.81% $399 $8 monthly ($96 p.a.) 80% Enquire now
Commonwealth Bank Standard Variable Home Loan - Owner Occupier (P&I)
Standard variable home loan with a low doc option for self-employed borrowers.
5.22% 5.36% $600 $8 monthly ($96 p.a.) 80% Enquire now
3.49% 3.53% $0 $0 p.a. 95% More info
HSBC Variable Home Loan - Owner Occupier
Enjoy a low interest rate and flexible features such as redraw and offset facility.
5.23% 5.29% $600 $0 p.a. 90% More info
ING DIRECT Mortgage Simplifier Home Loan - $150,000+ (LVR <= 80% Owner Occupier)
Pay the one-off 'Smart Pack' fee and receive a discount for the life of the loan.
4.04% 4.06% $0 $0 p.a. 80% Enquire now
ME Basic Home Loan - LVR <=80% Owner Occupier
A low variable rate loan with no application or ongoing fees.
4.09% 4.11% $0 $0 p.a. 80% Go to site More info
NAB Tailored Home Loan - Owner Occupier (P&I)
You can link your home loan to a 100% offset to help reduce the interest rate on the loan. NAB Rewards Points offer available, terms and conditions apply.
5.32% 5.45% $600 $8 monthly ($96 p.a.) 95% Go to site More info
RAMS Full Feature Home Loan
No ongoing fees, unlimited extra repayments and a 100% offset account all help to pay off a home loan sooner.
$595 $0 p.a. 95% More info
St.George Standard Variable Loan - Variable Rate (Owner Occupier, IO)
A no frills home loan with a 100% offset account and high maximum LVR.
5.42% 5.59% $600 $10 monthly ($120 p.a.) 95% Enquire now
Westpac Rocket Repay Home Loan
An option to link a 100% offset account to save on interest.
$600 $8 monthly ($96 p.a.) 95% Enquire now

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A passionate publisher who loves to tell a story. Learning and teaching personal finance is his main lot at Talk to him to find out more about home loans.

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