Whether you are buying an existing dwelling, building a new home, or purchasing a vacant block of land, two main types of residential home loans are available. Choosing which one is right for you depends on your circumstances and needs. Variable residential home loans offer a variable interest rate which is generally affected by the RBA cash rate. Fixed residential home loans involve a fixed interest rate for a specific time. Residential home loans can feature a combination of the two. We have a thorough understanding of the different rates and provide expert advice and guidance to help you select the most appropriate loan product, structure and interest rate.