Introductory Rate Home Loans

Introductory Rate Home Loans can offer a much lower interest rate loan for a set period of time, usually between one and three years. At the end of the introductory discount period the loan will normally revert to a Standard Variable Rate without any discount applied.

Having a low rate, variable interest rate home loan means:

  •  You can reduce your home loan faster, as you will be required to pay less interest and fewer fees.
  •  Discounts are usually around one per cent below the standard variable rate depending on the lender.

Pros and Cons of Introductory Home Loans


  • Low interest rate for introductory period – The interest rate is always lower than a standard variable rate loans.
  • Easier to manage. If you are on a tight budget, it can make your monthly repayment schedule easier to manage.
  • Additional payments above what is required are generally available via a Redraw Facility
  • Many Lenders offer Introductory Home Loans with no on going fees.


  • Once the introductory period comes to an end, the interest rate will revert to a Standard variable Rate without any discount.
  • If switching to a different loan product during the introductory period, then switching fees will apply.
  • Variable interest rates which will increase should interest rates rise.
  • Limited features apply with no ability to offset funds held in other accounts.

Contact our Credit Advisors for assistance!

Customer Information Form

Download our Customer Information Form. This Form will take no more than 10 minutes to complete.

Please return completed forms by email to

This will allow our consultants to perform a complete analysis of your borrowing capacity and provide appropriate advice for your personal circumstances.