Interest
6.38%p.a.
Comparison*
6.38%p.a.
Est. repayment
$3,121
LVR ≤60%
Bank Australia · Variable · Updated October 2026
Bank Australia Variable Home Loans, October 2026
Bank Australia lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.38% p.a. (comparison rate 6.38% p.a.), on Basic Home Loan <=60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Bank Australia variable home loan rates, October 2026
Interest
6.38%p.a.
Comparison*
6.38%p.a.
Est. repayment
$3,121
LVR ≤70%
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR ≤98%
Interest
6.54%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,174
LVR not stated
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤60%
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤70%
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤60%
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤70%
Interest
6.59%p.a.
Comparison*
6.59%p.a.
Est. repayment
$3,190
LVR ≤60%
Interest
6.59%p.a.
Comparison*
6.59%p.a.
Est. repayment
$3,190
LVR ≤70%
Interest
6.59%p.a.
Comparison*
6.59%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤80%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤98%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤80%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤98%
Interest
6.64%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,207
LVR ≤90%
Interest
6.49%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.49%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,157
LVR ≤60%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Bank Australia · Variable
Bank Australia variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.
See also Bank Australia's full product range, repayment calculator, and refinance savings calculator.