--- title: What are variable home loans? description: A variable rate loan is a loan where the interest rate will move up or down based on the market. Most often this is related to movements in the Reserve Bank cash rate decision on the first Tuesday or --- [Skip to content](https://support.fortunaadvisors.com.au/en/what-are-variable-home-loans-1#main-content) English Show submenu for translations ![Fortuna logo.png\]](https://support.fortunaadvisors.com.au/hs-fs/hubfs/Fortuna%20logo.png?height=40&name=Fortuna%20logo.png) - [Default HubSpot Blog](https://blog.fortunaadvisors.com.au/) Open main navigation Close main navigation - [Default HubSpot Blog](https://blog.fortunaadvisors.com.au/) - English Show submenu for translations - Fortuna Advisory Group Fortuna Advisory Group Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://support.fortunaadvisors.com.au/en?hsLang=en) 2. [Financial Planning Guides](https://support.fortunaadvisors.com.au/en/financial-planning-guides?hsLang=en) # What are variable home loans? A variable rate loan is a loan where the interest rate will move up or down based on the market. Most often this is related to movements in the Reserve Bank cash rate decision on the first Tuesday or each month (except January). Payments for a variable rate loan may vary with the movement in rate. - [Webinars](https://support.fortunaadvisors.com.au/en/webinars?hsLang=en) - [COVID-19 Resources](https://support.fortunaadvisors.com.au/en/covid-19-resources?hsLang=en) - [Business Advisory Guides](https://support.fortunaadvisors.com.au/en/business-advisory-guides?hsLang=en) - [Tax & Compliance Guides](https://support.fortunaadvisors.com.au/en/tax-compliance-guides?hsLang=en) - [Xero Guides](https://support.fortunaadvisors.com.au/en/xero-guides?hsLang=en) - [Legal Advice](https://support.fortunaadvisors.com.au/en/legal-advice?hsLang=en) - [Financial Planning Guides](https://support.fortunaadvisors.com.au/en/financial-planning-guides?hsLang=en) - [Brokerage Guides](https://support.fortunaadvisors.com.au/en/brokerage-guides?hsLang=en) - [Default HubSpot Blog](https://blog.fortunaadvisors.com.au/) [![Chill listening crop-3](https://support.fortunaadvisors.com.au/hs-fs/hubfs/Fortuna%20logo.png?width=85&height=24&name=Fortuna%20logo.png "Chill listening crop-3")](https://support.fortunaadvisors.com.au?hsLang=en) Connect with us on social Copyright © 2026, Fortuna Advisory Group ![](https://px.ads.linkedin.com/collect/?pid=3610066&fmt=gif)