A-Auswide BankHOME LOAN PLUS
A home loan with considerable flexibility and exceptional features such as 100% offset and variable and fixed rate options.
At a glance
- Max LVR
- 95%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
Rates
Every rate A-Auswide Bank publishes for this home loan, 81 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bundle discount (fixed) | Investment, Interest only | - | 1–60% LVR | 6.94% | 7.23% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 1–60% LVR | 6.99% | 7.23% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 1–60% LVR | 7.04% | 7.23% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 1–60% LVR | 7.24% | 7.26% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 60–70% LVR | 6.94% | 7.23% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 60–70% LVR | 6.99% | 7.23% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 60–70% LVR | 7.04% | 7.23% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 60–70% LVR | 7.24% | 7.26% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 70–80% LVR | 6.94% | 7.24% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 70–80% LVR | 6.99% | 7.24% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 70–80% LVR | 7.04% | 7.24% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 70–80% LVR | 7.24% | 7.28% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 80–90% LVR | 7.14% | 7.46% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 80–90% LVR | 7.19% | 7.48% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 80–90% LVR | 7.24% | 7.50% | - |
| Bundle discount (fixed) | Investment, Interest only | - | 80–90% LVR | 7.44% | 7.57% | - |
| Bundle discount (fixed) | Investment, P&I | - | 1–60% LVR | 6.84% | 7.15% | - |
| Bundle discount (fixed) | Investment, P&I | - | 1–60% LVR | 6.89% | 7.16% | - |
| Bundle discount (fixed) | Investment, P&I | - | 1–60% LVR | 6.94% | 7.16% | - |
| Bundle discount (fixed) | Investment, P&I | - | 1–60% LVR | 7.14% | 7.21% | - |
| Bundle discount (fixed) | Investment, P&I | - | 60–70% LVR | 6.84% | 7.15% | - |
| Bundle discount (fixed) | Investment, P&I | - | 60–70% LVR | 6.89% | 7.16% | - |
| Bundle discount (fixed) | Investment, P&I | - | 60–70% LVR | 6.94% | 7.16% | - |
| Bundle discount (fixed) | Investment, P&I | - | 60–70% LVR | 7.14% | 7.21% | - |
| Bundle discount (fixed) | Investment, P&I | - | 70–80% LVR | 6.84% | 7.15% | - |
| Bundle discount (fixed) | Investment, P&I | - | 70–80% LVR | 6.89% | 7.17% | - |
| Bundle discount (fixed) | Investment, P&I | - | 70–80% LVR | 6.94% | 7.17% | - |
| Bundle discount (fixed) | Investment, P&I | - | 70–80% LVR | 7.14% | 7.23% | - |
| Bundle discount (fixed) | Investment, P&I | - | 80–90% LVR | 7.04% | 7.37% | - |
| Bundle discount (fixed) | Investment, P&I | - | 80–90% LVR | 7.09% | 7.40% | - |
| Bundle discount (fixed) | Investment, P&I | - | 80–90% LVR | 7.14% | 7.43% | - |
| Bundle discount (fixed) | Investment, P&I | - | 80–90% LVR | 7.34% | 7.51% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 1–60% LVR | 6.94% | 7.22% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 1–60% LVR | 6.99% | 7.20% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 1–60% LVR | 7.04% | 7.19% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 1–60% LVR | 7.24% | 7.19% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 60–70% LVR | 6.94% | 7.22% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 60–70% LVR | 6.99% | 7.20% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 60–70% LVR | 7.04% | 7.19% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 60–70% LVR | 7.24% | 7.19% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 70–80% LVR | 6.94% | 7.23% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 70–80% LVR | 6.99% | 7.23% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 70–80% LVR | 7.04% | 7.23% | - |
| Bundle discount (fixed) | Owner occupied, Interest only | - | 70–80% LVR | 7.24% | 7.26% | - |
| Bundle discount (fixed)LVR 60.01% to 70%. Fix 1 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.64% | 6.96% | - |
| Bundle discount (fixed)LVR 60.01% to 70%. Fix 2 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.64% | 6.93% | - |
| Bundle discount (fixed)LVR up to 60%. Fix 1 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.64% | 6.96% | - |
| Bundle discount (fixed)LVR up to 60%. Fix 2 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.64% | 6.96% | - |
| Bundle discount (fixed)LVR 60.01% to 70%. Fix 3 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.69% | 6.94% | - |
| Bundle discount (fixed)LVR 70.01% to 80%. Fix 1 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.69% | 7.01% | - |
| Bundle discount (fixed)LVR 70.01% to 80%. Fix 2 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.69% | 7.00% | - |
| Bundle discount (fixed)LVR up to 60%. Fix 3 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.69% | 6.94% | - |
| Bundle discount (fixed)LVR 70.01% to 80%. Fix 3 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.74% | 7.02% | - |
| Bundle discount (fixed)LVR 80.01% to 90%. Fix 1 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.89% | 7.21% | - |
| Bundle discount (fixed)LVR 80.01% to 90%. Fix 2 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.89% | 7.20% | - |
| Bundle discount (fixed)LVR 80.01% to 90%. Fix 3 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.94% | 7.22% | - |
| Bundle discount (fixed)LVR 90.01% to 95%. Fix 2 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.99% | 7.46% | - |
| Bundle discount (fixed)LVR 90.01% to 95%. Fix 3 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 6.99% | 7.52% | - |
| Bundle discount (fixed)LVR 60.01% to 70%. Fix 5 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 7.04% | 7.09% | - |
| Bundle discount (fixed)LVR 70.01% to 80%. Fix 5 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 7.04% | 7.15% | - |
| Bundle discount (fixed)LVR up to 60%. Fix 5 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 7.04% | 7.09% | - |
| Bundle discount (fixed)LVR 80.01% to 90%. Fix 5 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 7.24% | 7.35% | - |
| Bundle discount (fixed)LVR 90.01% to 95%. Fix 1 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 7.29% | 7.66% | - |
| Bundle discount (fixed)LVR 90.01% to 95%. Fix 5 Yr. Minimum loan amount $100,000.00 | Owner occupied, P&I | - | - | 7.29% | 7.78% | - |
| Bundle discount (variable) | Investment, Interest only | - | 1–60% LVR | 6.54% | 6.88% | - |
| Bundle discount (variable) | Investment, Interest only | - | 60–70% LVR | 6.54% | 6.88% | - |
| Bundle discount (variable) | Investment, Interest only | - | 70–80% LVR | 6.59% | 6.93% | - |
| Bundle discount (variable) | Investment, Interest only | - | 80–90% LVR | 6.99% | 7.33% | - |
| Bundle discount (variable) | Investment, P&I | - | 1–60% LVR | 6.44% | 6.78% | - |
| Bundle discount (variable) | Investment, P&I | - | 60–70% LVR | 6.44% | 6.78% | - |
| Bundle discount (variable) | Investment, P&I | - | 70–80% LVR | 6.49% | 6.83% | - |
| Bundle discount (variable) | Investment, P&I | - | 80–90% LVR | 6.89% | 7.23% | - |
| Bundle discount (variable) | Owner occupied, Interest only | - | 1–60% LVR | 6.74% | 7.08% | - |
| Bundle discount (variable) | Owner occupied, Interest only | - | 60–70% LVR | 6.74% | 7.08% | - |
| Bundle discount (variable) | Owner occupied, Interest only | - | 70–80% LVR | 6.74% | 7.08% | - |
| Bundle discount (variable) | Owner occupied, P&I | - | 1–60% LVR | 6.29% | 6.64% | - |
| Bundle discount (variable) | Owner occupied, P&I | - | 60–70% LVR | 6.29% | 6.64% | - |
| Bundle discount (variable) | Owner occupied, P&I | - | 70–80% LVR | 6.44% | 6.78% | - |
| Bundle discount (variable) | Owner occupied, P&I | - | 80–90% LVR | 6.64% | 6.98% | - |
| Bundle discount (variable) | Owner occupied, P&I | - | 90–95% LVR | 7.54% | 7.87% | - |
| VariableLoans over $10,000. LVR <=80% | Owner occupied, Interest only | - | - | 10.01% | 10.17% | - |
Rate changes
25 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 28 Oct 2026 | Bundle discount (variable), Investment, Interest only, 1–60% LVR | 6.49% | 6.54% | up 0.05 |
| 28 Oct 2026 | Bundle discount (variable), Investment, Interest only, 60–70% LVR | 6.49% | 6.54% | up 0.05 |
| 28 Oct 2026 | Bundle discount (variable), Investment, Interest only, 70–80% LVR | 6.49% | 6.59% | up 0.10 |
| 28 Oct 2026 | Bundle discount (variable), Investment, Interest only, 80–90% LVR | 6.89% | 6.99% | up 0.10 |
| 28 Oct 2026 | Bundle discount (variable), Owner occupied, Interest only, 1–60% LVR | 6.49% | 6.74% | up 0.25 |
| 28 Oct 2026 | Bundle discount (variable), Owner occupied, Interest only, 60–70% LVR | 6.49% | 6.74% | up 0.25 |
| 28 Oct 2026 | Bundle discount (variable), Owner occupied, Interest only, 70–80% LVR | 6.49% | 6.74% | up 0.25 |
| 28 Oct 2026 | Bundle discount (variable), Owner occupied, P&I, 90–95% LVR | 7.14% | 7.54% | up 0.40 |
| 9 Oct 2026 | Bundle discount (variable), Investment, Interest only, 1–60% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Investment, Interest only, 60–70% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Investment, Interest only, 70–80% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Investment, Interest only, 80–90% LVR | 6.64% | 6.89% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Investment, P&I, 1–60% LVR | 6.19% | 6.44% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Investment, P&I, 60–70% LVR | 6.19% | 6.44% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Investment, P&I, 70–80% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Investment, P&I, 80–90% LVR | 6.64% | 6.89% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, Interest only, 1–60% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, Interest only, 60–70% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, Interest only, 70–80% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, P&I, 1–60% LVR | 6.04% | 6.29% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, P&I, 60–70% LVR | 6.04% | 6.29% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, P&I, 70–80% LVR | 6.19% | 6.44% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, P&I, 80–90% LVR | 6.39% | 6.64% | up 0.25 |
| 9 Oct 2026 | Bundle discount (variable), Owner occupied, P&I, 90–95% LVR | 6.89% | 7.14% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only | 9.76% | 10.01% | up 0.25 |
Each change is logged the night it appears in the rates Auswide Bank Ltd publishes. See how every lender answered the RBA on the rate tracker.
Fees
22 fees published, grouped by when they're charged.
- When you take it out$600ESTABLISHMENT_FEE_-_HOME_LOAN_PLUS
- While you hold itUp to $3952 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- ESTABLISHMENT_FEE_-_HOME_LOAN_PLUS
To cover costs associated with establishing your loan. Waived for Freedom Package loans
$600
While you hold it2
- ACCOUNT_SERVICE_FEE_-_HOME_LOAN_PLUS
Payble for managing your account. Waived for Freedom Package loans
$10 a month - PACKAGE_FEE_-_FREEDOM_PACKAGE
Annual mortgage package fee entitles you to benefits such as discounts & fee waivers on your home loan or line of credit, transaction accounts, credit card etc. Shareholder of Auswide Bank
$395 a year
When you make a transaction9
- BREAK_COSTS
Calculated at the time of your request. Payable if during a fixed rate period you, repay all or part of the amount you owe us, request a change to your interest rate type and we agree and process you…
Varies - CONDITIONS_SUBSEQUENT_COSTS
Charges vary - Charged at Cost. May apply to reimburse us the costs associated with confirming compliance with any special conditions in your loan agreement, such as the charges from third parties to…
Varies - DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT
Unacertainable - Are costs reasonably incurred by us in providing the service and include such costs as legal costs, document custodian charges, titles office fees, and electronic processing fees.
Varies - DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS
Charged at Cost. May apply where we need to engage external solicitors to prepare the mortgage documents. Covers the cost of documentation preparation, Government charges etc.
Varies - LENDERS_MORTGAGE_INSURANCE_PREMIUM
Premium varies according to the amount borrowed and the valuation of the secured property/s - an estimate will be provided after the security valuation is received
Varies - PROPERTY_INSPECTION_FEE
Charged at Cost. Covers the cost of us arranging independent inspection on a property under construction or renovation.
Varies - VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES
Initial Valuation Fee included in Establishment Fee up to $300 (total per application). Initial Valuation Fee included in Package Fee up to $400 (total per application), subsequent Valuation Fees (eg…
Varies - VALUATION_FEE_-_POST_SETTLEMENT
Charged at Cost. Payable to cover the cost of us arranging an independent valuation report (which we may do at any time acting reasonably).
Varies - RTGS_OUTWARD_PAYMENT_FEE
Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment
$20
When particular things happen10
- BASIC_VARIATION_FEE
Plus third party costs if applicable. Payable when we process your request to change or restructure your repayment
$150 - COMPLEX_VARIATION_FEE
Plus any applicable break costs and third party costs if applicable. Payable when we process your request that varaies your product, security, interest rate or repayment type, unless switching to Pri…
$300 - DEFAULT_ADMINISTRATION_FEE
Charged per month, if you fail to make a payment by the due date
$40 - MORGAGE_OFFSET_ADMINISTRATION_FEE
Payable when we link your qualifying loan to a qualifying deposit account to provide mortgage offset. Waived for Freedom Package
$75 - MORTGAGE_RELEASE_FEE
Plus third party costs if applicable. Payable per mortgage when we process your request to release a security from your loan, including a partial release. Third party costs may also be payable
$400 - PRINCIPAL_INCREASE_FEE_-_HOME_LOAN
Payable when we process your request to increase the principal amount of your loan. Waived for Freedom Package loans
$300 - PROGRESS_PAYMENT_FEE
Payable on the first drawdown after settlement to cover the administration costs of progress payments for your construction or home renovation
$450 - RATE_LOCK_FEE
Minimum fee of $250.00. If you elect to lock-in a fixed interest rate prior to commencement of the fixed rate term. Minimum fee $250.00
0.15% of balance - REDRAW_FEE
Payable when we manually process your request (eg: in Branch) to redraw available advance funds from your loan account. Excludes online redraws
$20 - SETTLEMENT_FEE
Payable when we process the settlement of your loan. Waived for Freedom Package loans
$100
Features
Eligibility and limits
- Minimum age 18
- Maximum age 75
- Available to individuals
- Maximum LVR 95%
- Minimum balance $10,000
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Published by Auswide Bank Ltd under the Consumer Data Right, last changed by them on 27 Oct 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.