Kirsten and Scott Fuller have a variable home loan on their three-bedroom house and have increased it in recent years for extensions and renovations.

The past two interest rate cuts have added about an extra $100 to the family's monthly budget and they expect about another $50 after yesterday's cut, in time for Christmas.

With two growing boys Ryan, 10, and Luke, 14, the additional money will also be helpful at the supermarket.

"There's lots of bills that come along with children, as they get older it gets worse," Mrs Fuller said.

"They both play sport. Along with sport costs, one recently hurt himself and now we're paying for physiotherapy.

"Eating us out of house and home, that's another one."

Mrs Fuller said they had a combination fixed and variable loan in the past but chose to go back to a variable rate.