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Legal Disclosures, Privacy & Terms

Last updated April 2026.

About this site

VariableRate.com.au is an information and lead-generation website helping Australian homeowners and investors find the most competitive variable home loan rate in the market. All home loan applications are arranged end to end by Brokerly, our trusted mortgage broker partner.

General Advice Disclaimer

The content of this website is general information only and does not take into account your specific objectives, financial situation, or needs. Variable interest rates, lender policies, fees and features change frequently. Before making any financial decision, please seek independent advice from a licensed mortgage broker.

Privacy Policy

We protect your personal data with industry-standard encryption. We collect only what is necessary to respond to enquiries or process a strategy call request. We do not sell your data.

Credit Guide & Disclosure

Loan In Pty Ltd t/a Brokerly (ACN 662 420 484) is an authorised credit representative (CR 544009) under LMG Broker Services Pty Ltd (ACN 632 405 504), Australian Credit Licence BLSSA PTY LTD 391237.

Fee Disclosure

  • Residential Mortgage Broking

    Free (lender-paid commission).

  • Variable rate review & refinance

    Free. Paid via lender commission upon settlement.

Feedback & Complaints

If you have a complaint, please contact us so we can resolve it promptly.

External Dispute Resolution

Our external dispute resolution provider is the Australian Financial Complaints Authority (AFCA), www.afca.org.au ยท 1800 931 678.