Current Offers
Ongoing Offers and Other Campaigns
Low Variable Rate Home Loans
Everyday Competitive Owner Occupied and Investment Home Loan Rates
Talk to your customers today about our highly competitive everyday home loan rates for our Basic Variable and Freedom Package Variable home loans#
A Fixed Rate Owner Occupied loan with all the benefits of a Variable home loan:
- Optional Mortgage Offset account ††
- Ability to make extra repayments **
- Redraw Facility^^
- Peace of mind with a Fixed Rate
Only available for applications lodged from 2nd September 2024. Applications that have been submitted prior to 2nd September 2024 are ineligible for this Special Offer. ‡‡
A Fixed Rate Investment loan with all the benefits of a Variable home loan:
- Interest Only or Principal & Interest repayments
- Optional Mortgage Offset account ††
- Ability to make extra repayments **
- Redraw Facility^^
- Peace of mind with a Fixed Rate
Only available for applications lodged from 11th October 2024. This offer is not available in conjunction with the 0.20%p.a. discount on investment home loans. <<
Enjoy a further discount on Investment Lending*
- Available when your client brings their Owner Occupied lending to Auswide Bank at the same time
- Available on the Basic Variable Investment Home Loan OR Freedom Package Variable or Fixed Rate Investment Loans (excludes Spring Campaign 2 Year Fixed Rate special offer)
- Available when constructing refinancing or purchasing
- 'New to Bank' lending only
- No LVR limitations
- No specific loan amount requirements to qualify
Basic Variable Rate loans with big difference features:
- Available for Owner Occupied and Investment lending
- ‘No frills’ home loan with a competitive variable interest rate
- No monthly or ongoing fees
- Redraw Facility^^
- Borrow up to 90% LVR (different rates apply)
Contact your Broker Relationship Manager
- For full details, check the current Home Loan Interest Rate sheets on this website or your Aggregator software platform.
- Contact your BRM for more information, as conditions apply
Important things you should know
Auswide Bank Ltd ABN 40 087 652 060, Australian Credit Licence 239686 is the credit issuer – approval is subject to meeting our credit assessment criteria, terms, conditions, fees & charges – full details on application. Prior to entering into a credit contract with us, you should read our Credit Guide. Rates may be withdrawn at any time without notice.
Full details of the Freedom Package are available in the Freedom Package Schedule of Benefits and Freedom Package Terms & Conditions. As per the Freedom Package terms and conditions, some benefits will not be applied to your products unless you advise us that you're a Freedom Package customer. Freedom Package benefits not available on Bridging Loans.
† This rate is not available for existing loans, loans to fund investment properties, loans with an LVR above 80%, interest only loans, loan “pre-approvals” (excepting HGS) and loans to overseas residents.
~ This rate is not available for existing loans, loans to fund owner occupied residential property, loans with an LVR above 70%, loan “pre-approvals” and loans to overseas residents.
‡ After expiry of any fixed rate term, the rate reverts to the applicable Freedom Package Revert Variable.
^^Redraw is subject to Auswide Bank’s discretion – limits may apply.
** A break cost may apply if the fixed loan is paid out in full or any change made to the loan structure within the fixed term.
^ Comparison rates are based on secured loan of $150,000 over 25 years. WARNING: This comparison rate applies only to the example given. Different amounts & terms will result in different comparison rates.
†† Mortgage Offset must be opened in at least one of the same names as the borrower’s loan account. To decide if a product is appropriate for you, please carefully read the relevant product terms & conditions or disclosure statement. A target market determination can be obtained here. To view full features and terms and conditions read our Guide to Mortgage Offset Accounts.
‡‡ 2 Year Fixed Rate Owner Occupied Special Offer is available for a limited time to new to bank lending applications submitted from 2nd September 2024, offer may be withdrawn at any time, Rate Lock terms and conditions apply.
<< 2 Year Fixed Rate Investment Special Offer is available for a limited time to new to bank lending applications submitted from 11th October 2024, offer may be withdrawn at any time, Rate Lock terms and conditions apply.
* An additional discount of up to 0.20%p.a. will be applied to the applicable investment home loan annual percentage interest rate when the applicant also applies at the same time for a new owner occupied home loan, or refinances an existing owner occupied home loan from another lender to Auswide Bank. If the application of the additional discount results in the investment loan rate falling below the associated owner occupied rate, the owner occupied interest rate will apply to the investment loan. This offer is subject to change at any time without notice. This offer is not available with the 2 Year Fixed Rate Special Offer.