RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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  CG Capital [ FINANCE SPECIALISTS ]

Cairncross Group Capital
Home Loan Variable: 5.74% (5.75%*) • Home Loan Fixed: 5.39% (5.77%*) • Fixed: 5.39% (5.77%*) • Variable: 5.74% (5.75%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 5.55% (5.96%*)
Home Loan Finance Types
THE PROS & CONS OF POPULAR HOME LOAN TYPES
  No Bookmarks Available
Owner Occ. (Variable)
Interest*
5.74%
Comparison*
5.75%
   
5.74%
5.76%
   
5.88%
5.88%
   
5.88%
5.90%
   
Owner Occ. (Fixed)
Interest*
5.39%
Comparison*
5.77%
   
5.39%
6.30%
   
5.49%
5.71%
   
5.49%
6.27%
   

Common Home Loans Types

Securing the right home loan is just as crucial as finding your dream home.

With hundreds of loan options available—and new products emerging regularly—navigating the mortgage landscape can be overwhelming. That’s where we come in.

As experienced mortgage brokers, we do more than just compare rates. We take the time to understand your financial goals, match you with a loan that fits your needs, and streamline the entire process. From handling the paperwork to professionally packaging your application with the necessary documents, we ensure a smooth and stress-free submission to your chosen lender.

With expert guidance and access to a wide range of lenders, we help you secure the right loan with confidence.

The Impact of Interest Rates

The Fixed, Variable, and Split options are often determined by the current cash rate (translating to the retail interest rates made available via lenders). The graph below shows recent trends. Our FAQ module provides more detailed information on Interest Rates and Inflation.

The current cash rate is 4.10.

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Frequently Asked Questions

The following FAQs give you some insight into how various types or lending might be structured. Our FAQ module may be accessed here.

Low doc (low documentation) home loans can benefit people who don’t have access to the level of information banks and lenders often require for your standard home loans. If you are a business owner, contractor, seasonal worker or freelancer, you may not have all ... [ Learn More ]

A 'Split Home loan', 'Split Facility’, or 'Split Mortgage', is a home loan that combines a [link url="1692"]Fixed Home Loan[/link] and a [link url="1690"]Variable Home Loan[/link]. In essence, a Split Loan allows you to split a home loan into two accounts, both of which attract ... [ Learn More ]

A construction loan, also known as a building loan, is a lending option that provides you funds to pay your Licenced Builder (or fund your Owner-Builder project) throughout each stage of your build or renovation process. It has a vastly different loan structure ... [ Learn More ]

A fixed rate loan, as opposed to the [link url="1690"]Variable Rate Home Loan[/link], is one where the rate is fixed for a defined time period. Not as popular the variable product, Fixed Rate loans still offer a range of features that make the loan type ... [ Learn More ]

The Variable Home Loan rate is the most popular home loan type in Australia. An interest (and comparison) rate is set for a particular product and will vary depending upon cash rate changes as dictated by the Reserve Bank of Australia. The variable rate ... [ Learn More ]

Most home loans are based on principal and interest. That is, you pay off the principal amount (the amount you have borrowed) in addition to the accumulated interest. However, when servicing an interest only loan you will only pay off the interest component for ... [ Learn More ]

A Home Loan Package is a home loan bundled with other financial or banking services and products with the main attractive feature usually being an included discount on the home loan interest rate. At the time of this writing, the interest rate reduction ... [ Learn More ]

A Basic (or No Frills) Variable Rate Home Loan is a straight forward non-complicated loan with minimal features, a competitive interest rate and no annual or monthly fees. Payment of an establishment or application fee varies between lender ... [ Learn More ]

Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly ... [ Learn More ]

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Download our 40-page First Home Buyer Guide. It'll guide you through the process of buying your first home.
First Home Buyer Book Image, April 2025
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Home Loan Variable: 5.74% (5.75%*) • Home Loan Fixed: 5.39% (5.77%*) • Fixed: 5.39% (5.77%*) • Variable: 5.74% (5.75%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 5.55% (5.96%*)
304/65 Victor Cres Narre Warren, VIC 3805
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

Cairncross Group Pty Ltd, trading as Cairncross Group Capital. Head office: 304/65 Victor Crescent, Narre Warren, VIC 3805. Australian Credit Licence Number: 562247. ABN ABN - 72 669 821 970. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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