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Home Loan Variable Rate
BankVic's Home Loan Variable Rate is a home loan. The figures are the ones BankVic publishes under the Consumer Data Right today. The advertised rate last moved on 13 October 2026, up from 6.10% to 6.35%.
Advertised rate
6.35%
headline tier
Comparison rate
6.35%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 6.10% and 6.35% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 6.35% | 6.35% |
Rate moves, last 30 days
- 13 October 2026: Variable, Owner occupier, P&I lifted 0.25pp, from 6.10% to 6.35%.
Published fees
| Fee | Amount |
|---|---|
| Mortgage establishment feeupfront: Includes valuation, solicitor s fees, one Torrens title search and mortgage preparation costs. | $600 |
| Mortgage establishment fee existing loanupfront: Includes, solicitor s fees, one Torrens title search and mortgage preparation costs. | $300 |
| Switching loan productsupfront: Loan switching payable when we agree to your request to change your type of home loan or your interest rate. | $200 |
| Production of title feeupfront: Request to revise Certificate of Title held by BankVic requires consent to mortgage, ownership, including subdivisions, second mortgages, caveats in Victoria on | $330 |
| Top-up feeupfront: Increase in loan amount with no valuation required. | $200 |
| Representation feewhen it happens: Attendance at settlement by BankVic or its representative | $99 |
| Security substitution feewhen it happens: Exclusive of government and other charges | $400 |
| Discharge feewhen it happens: Payable upon payout of your loan if you request to discharge the mortgage. | $295 |
| Title search feewhen it happens: Torrens title, where additional searches required | $25 |
| Financial institution chequeper transaction | $0 |
| Redrawper transaction: Only available with variable rate home loans. | $0 |
| Valuation feeupfront: Only charged when a standard metro valuation is needed for setup or if additional valuation is required. | $300 |
Other BankVic home loans
Fixed Rate Home Loan - 2 years 6.09%Special Police Variable Home Loan Rate 6.18%Investor Fixed 2 Years 6.19%Home Loan Special Variable Rate 6.24%Police Variable Home Loan Rate 6.29%Offset Police Variable Rate Home Loan 6.33%Special Police Investor Variable Rate Home Loan 6.38%Fixed Rate Home Loan - 1 year 6.39%Fixed Rate Home Loan - 3 years 6.39%Investor IO Fixed 2 Years 6.39%Offset Variable Rate Home Loan 6.39%Investor Special Rate Home Loan 6.44%
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