Aussie Home Loans
Aussie Elevate Offset Home Loan
For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.
Home loansBank updated 23 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.14% · 6.32% comparison
- Variable (investor P&I)
- 6.29%
- Fixed
- 1 yr 6.59% · 2 yrs 6.64% · 3 yrs 6.59% · 4 yrs 6.64% · 5 yrs 6.64%
- Max LVR
- 95%
- Annual fee
- $180
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 63
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | ≤80% LVR | 6.84% | 6.66% | — |
| Fixed | Investment · Interest only | 1 yr fixed | 80–90% LVR | 7.04% | 6.90% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | ≤80% LVR | 6.89% | 6.70% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | 80–90% LVR | 7.09% | 6.94% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | ≤80% LVR | 6.84% | 6.72% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | 80–90% LVR | 7.04% | 6.96% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | ≤80% LVR | 6.89% | 6.77% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | 80–90% LVR | 7.09% | 7.00% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | ≤80% LVR | 6.89% | 6.80% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | 80–90% LVR | 7.09% | 7.03% | — |
| Fixed | Investment · P&I | 1 yr fixed | ≤80% LVR | 6.74% | 6.65% | — |
| Fixed | Investment · P&I | 1 yr fixed | 80–90% LVR | 6.94% | 6.89% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤80% LVR | 6.79% | 6.69% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 80–90% LVR | 6.99% | 6.93% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤80% LVR | 6.74% | 6.71% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 80–90% LVR | 6.94% | 6.94% | — |
| Fixed | Investment · P&I | 4 yrs fixed | ≤80% LVR | 6.79% | 6.75% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 80–90% LVR | 6.99% | 6.98% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤80% LVR | 6.79% | 6.77% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 80–90% LVR | 6.99% | 7.00% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤80% LVR | 7.09% | 6.59% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | 80–90% LVR | 7.29% | 6.84% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤80% LVR | 7.14% | 6.67% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | 80–90% LVR | 7.34% | 6.91% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤80% LVR | 7.09% | 6.72% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | 80–90% LVR | 7.29% | 6.96% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | ≤80% LVR | 7.14% | 6.80% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | 80–90% LVR | 7.34% | 7.03% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤80% LVR | 7.14% | 6.85% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | 80–90% LVR | 7.34% | 7.08% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | ≤80% LVR | 6.59% | 6.55% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 80–90% LVR | 6.79% | 6.79% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 90–95% LVR | 6.79% | 7.28% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤80% LVR | 6.64% | 6.58% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 80–90% LVR | 6.84% | 6.82% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 90–95% LVR | 6.84% | 7.25% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤80% LVR | 6.59% | 6.59% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 80–90% LVR | 6.79% | 6.83% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 90–95% LVR | 6.79% | 7.21% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | ≤80.01% LVR | 6.64% | 6.63% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 80–90% LVR | 6.84% | 6.86% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 90–95% LVR | 6.84% | 7.20% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | ≤80% LVR | 6.64% | 6.65% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 80–90% LVR | 6.84% | 6.88% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 90–95% LVR | 6.84% | 7.18% | — |
| Variable | Investment · Interest only | — | ≤50% LVR | 6.49% | 6.54% | — |
| Variable | Investment · Interest only | — | 50–60% LVR | 6.49% | 6.54% | — |
| Variable | Investment · Interest only | — | 60–70% LVR | 6.59% | 6.61% | — |
| Variable | Investment · Interest only | — | 70–80% LVR | 6.69% | 6.71% | — |
| Variable | Investment · Interest only | — | 80–90% LVR | 7.34% | 7.14% | — |
| Variable | Investment · P&I | — | ≤50% LVR | 6.29% | 6.47% | — |
| Variable | Investment · P&I | — | 50–60% LVR | 6.29% | 6.47% | — |
| Variable | Investment · P&I | — | 60–70% LVR | 6.34% | 6.52% | — |
| Variable | Investment · P&I | — | 70–80% LVR | 6.44% | 6.62% | — |
| Variable | Investment · P&I | — | 80–90% LVR | 6.69% | 6.87% | — |
| Variable | Owner occupied · Interest only | — | ≤80% LVR | 7.38% | 6.96% | — |
| Variable | Owner occupied · Interest only | — | 80–90% LVR | 7.88% | 7.33% | — |
| Variable | Owner occupied · P&I | — | ≤50% LVR | 6.14% | 6.32% | — |
| Variable | Owner occupied · P&I | — | 50–60% LVR | 6.14% | 6.32% | — |
| Variable | Owner occupied · P&I | — | 60–70% LVR | 6.19% | 6.37% | — |
| Variable | Owner occupied · P&I | — | 70–80% LVR | 6.34% | 6.52% | — |
| Variable | Owner occupied · P&I | — | 80–90% LVR | 6.59% | 6.77% | — |
| Variable | Owner occupied · P&I | — | 90–95% LVR | 7.14% | 7.31% | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Default Fee | Event | $35 | — | Payable each time you are in default. If you are in default because you did not make a repayment when due, the fee will only become payable if the overdue amount is $100 or more. Once payable, the fe… |
| Duplicate Fee | Event | $16.50 | — | Payable each time we provide you with a copy of any document we have already provided to you at your request including any statement of account. |
| Manual Redraw Fee | Event | No fee | — | Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking |
| Online Redraw Fee | Event | No fee | — | Charged when completing a redraw online |
| Variation Fee | Event | $250 | — | — |
| Discharge Administration Fee | Exit | $350 | — | Payable: each time we provide a partial or full discharge or release of mortgage or security interest in respect of any Mortgaged Property; and when you repay your Loan Account balance in full. |
| Break Cost Fee | Other | $0 | — | Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Accou… |
| Monthly Admin Fee | Periodic | $15 | Every 1 mo | — |
| Bank Cheque Fee | Transaction | $10 | — | — |
| Establishment Fee | Upfront | $299 | — | (Currently Waived) |
| Security Processing Fee | Upfront | $199 | — | — |
§ 03 — Features
Offset accountRedrawExtra repayments
- · Monthly repayments
- · Split Loans
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $5,000 to no maximum
- · Maximum LVR 95%
- · Credit and Lending Criteria, Fees and Charges Apply
§ 06 — Run the numbers
Put this product through a calculator
Published by Aussie Elevate under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.