Variable home loan rates: 5.69%
127 lenders · as at 2 Nov 2026
The lowest advertised rate on home loans with a variable rate that charge principal and interest is 5.69%, on the Aaa Financial Corporation Portfolio Loan. 127 lenders have a current loan here; 4 of them sit within 25 basis points of the lowest. The median of each lender's lowest rate is 6.38%.
| 1 | Aaa Financial Corporation | Portfolio Loan | 5.69% | — | Variable · Owner-occupier | 0–90% | 13 | 2026-11-02 |
| 2 | Southern Cross Credit Union | BROKER HOME LOAN | 5.93% | 6.28% | Variable · Owner-occupier | 60.01–80% | 4 | 2026-11-02 |
| 3 | Northern Inland Credit Union Limited | Value Home Loan - Investment | 5.94% | 5.98% | Variable · Investor | — | 7 | 2026-11-01 |
| 4 | Broken Hill Bank | Choice Home Loan | 5.94% | 5.99% | Variable · Owner-occupier | — | 7 | 2026-11-01 |
| 5 | Maitland Mutual Limited | Budget Home Loan | 6.04% | 6.04% | Variable · Owner-occupier | — | 3 | 2026-11-02 |
| 6 | Greater Bank Limited | Discounted Great Rate Home Loan - Variable Owner Occupied | 6.09% | 6.10% | Variable · Owner-occupier | — | 8 | 2026-11-02 |
| 7 | Virgin Money | Virgin Money Lite Home Loan | 6.09% | 6.11% | Variable · Owner-occupier | 70.01–80% | 2 | 2026-11-02 |
| 8 | Move Bank | Everyday Home Loan | 6.09% | — | Variable · Owner-occupier | — | 2 | 2026-11-02 |
| 9 | SWSbank | Standard Variable Rate Home Loan | 6.10% | 6.10% | Variable · Owner-occupier | — | 6 | 2026-11-02 |
| 10 | Unloan | Unloan Home Loan | 6.14% | 6.05% | Variable · Owner-occupier | 0–80% | 1 | 2026-11-02 |
| 11 | Gateway Bank | Low Rate Essentials | 6.14% | 6.16% | Variable · Owner-occupier | — | 12 | 2026-11-01 |
| 12 | Mortgage House | Chameleon - Executive Home Loan 60 | 6.14% | 6.18% | Variable · Owner-occupier | — | 19 | 2026-11-02 |
| 13 | Police Credit Union Ltd | Low Rate Home Loan Special Offer - Owner Occupied | 6.14% | 6.18% | Variable · Owner-occupier | 0–80% | 12 | 2026-11-01 |
| 14 | Summerland Bank | Basic Variable Home Loan | 6.14% | 6.20% | Variable · Owner-occupier | — | 4 | 2026-11-01 |
| 15 | TMCU | REFI SPECIAL OWNER OCCUPIED | 6.14% | 6.24% | Variable · Owner-occupier | — | 5 | 2026-11-02 |
The 15 lowest of 127 lenders are shown, one loan each. Ranked by advertised rate; a lower advertised rate is not always the lower comparison rate. Every loan, with exact tiers and fees, is on the full home loan board. For the Moneysmart explainers, see fixed vs variable ratesand interest-only loans (links checked 2 Nov 2026).
| Lowest rate | 5.69%: Aaa Financial Corporation Portfolio Loan, recorded 2 Nov 2026 |
|---|---|
| Lenders in this list | 127 |
| Loans in this list | 636 |
| Median of each lender's lowest rate | 6.38% |
| Lowest to highest lender | 5.69% to 9.54% (385 basis points) |
| Lowest comparison rate | 5.98%: Northern Inland Credit Union Limited Value Home Loan - Investment |
| Rates as at | 2 Nov 2026 |
| Source | Lenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar. |
| Assistant access | Connect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days. |
Common questions
What is the lowest variable home loan rate in Australia?
Among the 127 lenders in this list, the lowest advertised rate is 5.69% on the Aaa Financial Corporation Portfolio Loan, recorded 2 Nov 2026. The median of each lender's lowest rate is 6.38%.
Is the lowest rate also the lowest comparison rate?
No. The lowest published comparison rate in this list is 5.98% on the Northern Inland Credit Union Limited Value Home Loan - Investment, which advertises 5.94%. A comparison rate folds most fees into one figure, so the two rankings can differ.
How does RateSonar choose which loans are listed?
It lists current standard home loans that state a rate and have a fresh record (evidence grade A or B). Special-purpose loans such as green, first home, SMSF, construction or bridging loans are not ranked here. Each lender appears once, with its lowest rate in this list.
Are these rates offers, and does RateSonar take applications?
No to both. These are the rates lenders advertise, with the day RateSonar recorded each one. RateSonar is not affiliated with any lender, takes no applications and has no sponsored rows. This is general information, not financial advice. Check the rate and conditions with the lender before you act.
Other home loan types
- Fixed5.99%
- Interest-only6.19%
- Investor5.94%
- Investor fixed6.19%
- Owner-occupier fixed6.09%
- Investor interest-only6.39%
- Owner-occupier interest-only6.19%
- Owner-occupier, up to 80% LVR5.69%
- Owner-occupier, up to 90% LVR5.69%
- Owner-occupier, up to 95% LVR6.19%
Each figure is that page's lowest advertised rate. A page appears only when it has at least 8 lenders and 10 loans.