Standard Variable & Fixed Rate Loans

Tailored Lending Options That Fit Your Lifestyle

Your home loan should work as hard as you do. Standard variable loans give you flexibility, features, and control, more than a basic “no-frills” option, but worth every extra point in your rate.
Want predictability? Fixed rate loans lock in your repayments for one to five years, protecting you from rising interest rates (though you’ll miss out if rates fall).
No matter your choice, your loan should fit your life, not the other way around. We listen. We match. We get you the home loan that makes sense for you.

Why Choose InReach Finance?

 Tailored Strategy – We structure your loan around your financial goals, not just the numbers.

Lender Access – Compare fixed, variable, or split products across a broad panel to find the perfect fit.

Smart Features – Maximise flexibility with offset accounts, redraw, repayment options, and low-fee structures.

Future-Ready – Make the right choice today while staying ahead of tomorrow’s interest rate shifts.

Our Process

Understanding You – We start by getting to know your finances, your repayment style, and what you’re comfortable with. No jargon, just clarity.

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Exploring Options – We compare loans from different lenders so you can see what really works for you, variable, fixed, or a mix.

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Customising Your Loan – Together, we choose features like redraws, offset accounts, and repayment schedules that suit your life.

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Making It Happen – We handle all the paperwork and guide you every step of the way, right through to settlement.

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Frequently Ask Question

What is an offset account and how does it work?
An offset account is linked to your mortgage. Money kept in this account reduces the interest charged on your loan, helping you pay it off faster.
Most variable rate loans allow unlimited extra repayments. Fixed loans often have caps we’ll help you choose the best option for your goals.
Fixed rates lock in your repayment amount for a set term, while variable rates can rise or fall. Many clients choose to split their loan between the two for flexibility.

Not sure which home loan structure suits you best? We’ll find the right fit for your needs.

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