Australian Lender’s Standard Variable Interest Rates

Rates and Fees verified correct on August 30th, 2016

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 August 30th, 2016
Loan purpose
Offset account
Loan type
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Product nameInterest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
AMP Classic Variable Rate Loan - Owner Occupier
Enjoy a 100% offset account, redraw facility, and up to 10 splits.
5.43% 5.61% $350 $10 monthly ($120 p.a.) 90% More info
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% More info
3.95% 4.14% $0 $180 p.a. 95% More info
5.61% 5.77% $495 $10 monthly ($120 p.a.) 95% More info
5.45% 5.50% $695 $0 p.a. 95% More info
5.58% 5.72% $399 $8 monthly ($96 p.a.) 80% More info
Commonwealth Bank Standard Variable Home Loan - Owner Occupier
Standard variable home loan with a low doc option for self-employed borrowers.
5.22% 5.37% $600 $8 monthly ($96 p.a.) 95% More info
CUA Standard Variable Home Loan - Owner Occupier
A flexible home loan with a competitive interest rate.
4.69% 4.74% $600 $0 p.a. 95% More info
3.48% 3.53% $495 $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
3.84% 3.86% $0 $0 p.a. 80% More info
ME Bank Basic Home Loan - LVR <=80% Owner Occupier
A low variable rate loan with no application or ongoing fees.
3.99% 4.01% $0 $0 p.a. 80% Go to site More info
4.07% 4.07% $0 $0 p.a. 80% 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. 250,000 Velocity Frequent Flyer point offer, conditions apply.
5.25% 5.38% $600 $8 monthly ($96 p.a.) 95% Go to site More info
$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.
5.34% 5.51% $600 $10 monthly ($120 p.a.) 95% More info
State Custodians Standard Variable Offset Loan - LVR 80% (Owner Occupier)
Special Owner Occupier Rate. Free Offset Account.
3.74% 4.07% $0 $299 p.a. 80% Go to site More info
UBank UHomeLoan Variable Rate - Standard Variable Rate (Owner Occupier P&I)
A standard variable rate with the ability to make extra repayments.
4.07% 4.00% $0 $0 p.a. 80% Go to site More info
Westpac Rocket Repay Home Loan
An option to link a 100% offset account to save on interest.
$600 $8 monthly ($96 p.a.) 95% More info

Marc Terrano

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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