Variable-rate home loans offer flexibility and the potential to benefit from interest rate decreases over time. At Intuitive Finance, we help you navigate the advantages and considerations of variable-rate home loans, ensuring you find the best option for your financial needs.

What are Variable-Rate Home Loans?
A variable-rate home loan is a type of home loan where the interest rate can change over time. This means that if interest rates decrease, you could pay less interest on your loan balance, potentially reducing your overall loan cost. Variable-rate home loans offer the flexibility to adapt to market changes, making them a popular choice for many borrowers.
Types of Variable-Rate Home Loans
Basic Variable-Rate Home Loans
Basic variable-rate home loans generally have fewer features than standard variable loans and often come with a lower interest rate. This type of loan is ideal for those who are cost-focused and prefer a straightforward loan without the additional flexibility and options that standard variable loans offer.
ADVANTAGES
- Low Interest Rate: Enjoy relatively low interest rates.
- Extra Repayments: Make additional repayments whenever possible.
- Redraw Facility: Often includes a redraw facility.
DISADVANTAGES
- Limited Features: May lack the features and flexibility of other variable loans.
- No Offset Account: Generally do not include an offset account.
Standard Variable-Rate Home Loans
A standard variable-rate home loan has a variable interest rate that serves as a benchmark for other variable-rate products offered by lenders. This type of loan typically includes various features, such as an offset account and redraw facility, providing more flexibility. However, due to the additional features, it often has a higher interest rate compared to basic variable-rate loans.
ADVANTAGES
- Flexibility: Make lump-sum payments without penalties.
- Lower Repayments: Benefit from reduced repayments if interest rates fall.
- Extra Features: Often includes features like an offset account.
DISADVANTAGES
- Higher Repayments: Your repayments will increase if interest rates rise.
What’s Involved in Obtaining a Commercial Loan Through Intuitive Finance?
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
Complimentary Obligation-Free Consultation
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Real Feedback from Real Clients
Buying property is one of the most stressful things you’ll ever do, and I was dreading it!
However Natasha, Melissa, Clarise, Andrew and Bonnie were all amazing at helping me through the application for finance. They all provided exceptional care, a wealth of knowledge and always got back to me promptly with answers to all my questions 😄
The whole team had a great ability to put me at ease throughout the whole process! I can’t thank you all enough and I’m so happy in my new home!
I would wholeheartedly recommend the Intuitive finance team 100% as the finance brokers for anyone needing help with financing!
Thanks again so much, you’ve helped me get to the place I wanted to be!
We had a complex situation with multiple properties, and Craig took the time to understand our needs and worked tirelessly to secure the best possible deals. We refinanced three of our properties, and the process was seamless thanks to Craig's guidance.
Their communication was outstanding, keeping us informed every step of the way. What really stood out was their willingness to go above and beyond to ensure our financial goals were met. Their professionalism, knowledge, and passion for their work are a rare find in the finance industry.
We can't recommend Craig and the team at Intuitive Finance highly enough. If you're looking for a finance broker who will truly look after your interests, look no further.
Thanks Michael & Alana
What sets them apart is their exceptional communication, organization, experience, and teamwork. They operate like a well-oiled machine, ensuring everything runs smoothly and efficiently. Despite being based in Perth, working with Lachlan and Craig in Melbourne was seamless. These two are absolute standouts—always available, quick to return calls, hardworking, and incredibly fast.
I also had the pleasure of working with Melissa and Clarise, who were equally lovely and professional. The entire team made the process stress-free and straightforward, something I’ve rarely encountered in this space.
I’ve already recommended Intuitive Finance to my family and friends because I know they’ll be in safe hands. If you’re looking for a broker that goes above and beyond, look no further. Highly rated and highly recommended!
A special thanks to Lachlan who was simply fantastic to deal with across a two year period and to Craig who made the final processes seamless.
Our Commitment to the Community
With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.