Variable Rate Home Loans

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Need help choosing the right home loan?

Variable Rate Home Loans

At Pioneer, we work with lenders to secure home loans suitable to your needs. As the most common type of home loan product available, we can help you secure a variable rate home loan to achieve your financial goals.

Over the term of a variable rate home loan, home owners may experience a reduced total amount of interest paid. Given the high demand for variable rate home loans, you as the customer are in the hot seat to negotiate a better rate. With a panel of over 35 lenders, Pioneer Credit Connect will join you on this journey and compare home loans in the market to ensure you obtain the mortgage most suited to your needs.

What is a Variable Rate Home Loan?

As the name suggests, variable rate home loans allow the loan interest rate to fluctuate alongside changes in the market. This means that the rate you initially sign up for could go up or go down, depending on what is happening in the market. Over the term of the loan, your repayments may also go up or down. The opportunity here is that historically, on average, borrowers will pay less interest over the term of a variable rate home loan when compared to fixed rate loans.



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Why is a Variable Rate Home Loan right for you?

A variable rate home loan serves as a great way to take advantage of interest rates if they fall. If your interest rate decreases, so do your repayments. While on the other hand if your rate goes up, you are also liable to pay more interest. The majority of Australian’s take advantage of moving rates to allow movement in repayments. The best way to understand if this product will achieve your financial goals is to speak with one of our home loan representatives.

Benefits of a Variable Rate Home Loan:

  • Allow your rate to change with the market
  • Take advantage of bank rate cuts
  • Increase the chance of saving money over the term of your loan
  • Purchase your home or investment property with confidence

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See what our customers have to say!


  • customer experienceJohn R, VIC
    I'd like to thank you for all the help you've given me. I know that I made it difficult for you at times but you handled it all very professionally. It was very helpful that you were so knowledgeable about every aspect of this process, including all the legal procedures.
  • customer experienceThe Conway Family, WA
    We would love to say a massive thank you for all the help and support you have provided in the purchasing of our lovely home. Buying a house is apparently one of the most stressful things you can do in a lifetime; well not in this lifetime thanks to you! We can honestly say that there was not one minute of stress and your efficiency, expertise and advice were second to none.

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