The average variable rate in August 2026 is 6.92%. The lowest available is 5.69%. On a $736,000 loan, a 1% rate reduction saves over $7,300 per year. A broker compares the full market in one conversation — free service, 2-hour response.
Tell us about your situation — Adrian responds within 2 hours.
When you apply directly with a bank, you're dealing with one lender who can only offer you their own products at whatever rate they're willing to give you. A mortgage broker compares 30+ lenders simultaneously — major banks, second-tier lenders, and specialist lenders — to find the most competitive rate and structure for your specific situation.
More than 75% of new Australian home loans are now arranged through mortgage brokers. The service costs you nothing — brokers are paid by the lender when your loan settles. That commercial alignment means Adrian's incentive is always to find you the best deal, not the most convenient one.
Rate, features, offset accounts, extra repayment flexibility, redraw, and fee structures — all compared simultaneously. The best home loan for your situation may not be from the lender with the lowest headline rate.
Lenders negotiate with brokers differently to how they deal with customers walking in off the street. Adrian can often secure rates, cashback offers, or waived fees that aren't advertised publicly.
Document preparation, submission, valuation ordering, lender follow-up, and settlement coordination. You deal with Adrian from enquiry to settlement — not a bank's call centre queue where your file gets passed between staff.
Every home loan application leaves a credit enquiry. Adrian confirms your eligibility before submitting — one carefully placed application instead of multiple enquiries that can damage your credit score and reduce your chances of approval.
Not all home loans are the same. The right type depends on your goals, timeline, risk tolerance, and financial position. Here's how the main options compare — and who each one suits best.
Your rate moves with the RBA cash rate and lender decisions. Gives you full flexibility — offset accounts, unlimited extra repayments, ability to benefit from rate cuts, and no break costs if you sell or refinance.
Best for: Flexibility, offset access, benefit from rate cuts
Your rate is locked for 1–5 years. You know exactly what you'll pay each month regardless of RBA movements. Trade-off is less flexibility — break costs if you exit early and no benefit from rate cuts during the fixed period.
Best for: Repayment certainty, protection from rate rises
Part of your loan is fixed for certainty, part is variable for flexibility. You get rate protection on the fixed portion and an offset account on the variable portion. Common for borrowers who don't want an all-or-nothing decision.
Best for: Balancing certainty and flexibility
Loans specifically for the property you'll live in. Lower rates than investment loans — typically 0.25–0.60% cheaper. LVR up to 95% available. The most common home loan type for owner-occupiers.
Best for: Buying or building the home you'll live in
Draws down in stages as your home is built — you only pay interest on the amount drawn at each stage. Requires a fixed-price building contract and council-approved plans. Converts to a standard loan at completion.
Best for: Building a new home or knockdown rebuild
A bundled product combining a home loan, bank account, and sometimes credit card — usually for an annual fee of $300–$400. Often delivers a meaningful rate discount that outweighs the fee on larger loans. Worth comparing on total cost.
Best for: Larger loans where the rate discount exceeds the annual fee
The RBA cash rate is 4.35%, held on 11 August 2026 after three consecutive rises in February, March and May. Variable owner-occupier rates range from 5.69% to above 7% — the gap between the best and worst rates in the market is significant, and it widens further based on your LVR.
Borrowers at 60–70% LVR typically access rates 0.3–0.5% lower than those at 80–90% LVR with the same lender. If you've built equity since purchasing, you may already qualify for a better rate tier — which is why a free annual loan review makes sense for every homeowner.
Get my rate comparison — freeRates as at 11 August 2026. Sourced from publicly available lender data. Lowest rates typically require ≤70–80% LVR. Rates vary by loan amount and borrower profile. Not financial advice — speak to Adrian for a comparison specific to your situation.
With the RBA cash rate at 4.35% and the Board signalling it will raise further if inflation risks materialise, this is one of the most consequential loan structure decisions a borrower faces. The right answer depends on your specific situation — but here is how to think through it.
Your rate moves with the market. If the RBA cuts the cash rate, your repayments go down automatically. You keep maximum flexibility — offset account, unlimited extra repayments, and no break costs if you sell or refinance.
Your rate is locked for 1–5 years regardless of what the RBA does. You know exactly what you'll pay each month for that period. Trade-off is less flexibility — limited extra repayments and potential break costs if you exit early.
The split loan option: Many borrowers in 2026 are choosing to fix a portion of their loan for certainty while keeping the rest variable with an offset account. Adrian models the split ratio that suits your specific situation — the right balance depends on your loan size, savings buffer, and how long you plan to hold.
Adrian reviews your financial position, goals, and borrowing capacity. He calculates your maximum loan amount across multiple lenders and identifies the right loan structure for your situation — no commitment required.
30+ lenders compared on rate, features, offset, serviceability, and any cashback offers. Adrian recommends one lender and explains why — not just the cheapest, but the best fit for your specific goals and situation.
Adrian submits your application and manages the process through to conditional pre-approval. You get a formal borrowing limit so you can make offers confidently and move quickly when you find the right property.
Once you've found your property, Adrian handles the formal application, valuation order, and any conditions. He keeps you updated throughout so there are no surprises and no unnecessary delays at settlement.
Adrian coordinates with your solicitor, lender, and the vendor's agent for a smooth settlement day. He stays available after settlement to answer questions and help you set up your loan features correctly from day one.
Can't find what you're looking for? Call Adrian directly on 0411 747 956.
0411 747 956Book a free assessment with Adrian. He'll calculate your borrowing capacity across 30+ lenders, compare rates and features, recommend the right loan structure for your goals, and give you a clear path forward — within 2 hours of your enquiry.