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Variable interest rates send panic into some, and joy to others. What is the best way?

Variable Rate Mortgages Variable Rate Home Loans


  • Standard Variable Rate
Standard variable home loans usually offer lower interest rates than a fixed rate loan.  But, as the rate is variable, this means that your rate can go up if interest rates rise over the term of your loan.  If interest rates rise, your repayments go up also, meaning that you will be paying more each month to repay the loan.  

Interest rates keep falling...

You may have read recently that not all banks are passing on the full interest rate cuts.

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However, if rates are cut, your interest rate should come down also and your repayments will be lower.  If you have fixed your rate an interest rates fall significantly, you would not be able to reduce your rate and will be paying much higher rates than home owners who are on a variable rate.  Standard variables come with extra benefits such as early repayments, redraw facilities and fortnightly repayments.

  • Basic Variable Rate
This is the no frills type of home loan.  Usually offering the lowest rates of any home loan, the basic variable home loan come with less benefits than a standard home loan, so you may not be able to make early repayments without being charged a fee.  However, your interest rate is still subject to change, either up or down depending on what the market is doing.


Call and talk to a Local Brisbane Mortgage Broker and find out which type of home loan is best for you.

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