A-Auswide Bank
BASIC HOME LOAN
A home loan with a competitive variable interest rate and no monthly fees. Suitable for customers who don't require the benefits of an offset account.
Home loansBank updated 27 Aug 2026
At a glance
- Variable (owner occ. P&I)
- 6.04% · 6.07% comparison
- Variable (investor P&I)
- 6.19%
- Max LVR
- 90%
- Features
- redraw, extra repayments
§ 01 — Rates · 12
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · Interest only | — | 1–60% LVR | 6.24% | 6.27% | — |
| Variable | Investment · Interest only | — | 60–70% LVR | 6.24% | 6.27% | — |
| Variable | Investment · Interest only | — | 70–80% LVR | 6.24% | 6.27% | — |
| Variable | Investment · Interest only | — | 80–90% LVR | 6.64% | 6.68% | — |
| Variable | Investment · P&I | — | 1–60% LVR | 6.19% | 6.22% | — |
| Variable | Investment · P&I | — | 60–70% LVR | 6.19% | 6.22% | — |
| Variable | Investment · P&I | — | 70–80% LVR | 6.24% | 6.27% | — |
| Variable | Investment · P&I | — | 80–90% LVR | 6.64% | 6.68% | — |
| Variable | Owner occupied · P&I | — | 1–60% LVR | 6.04% | 6.07% | — |
| Variable | Owner occupied · P&I | — | 60–70% LVR | 6.04% | 6.07% | — |
| Variable | Owner occupied · P&I | — | 70–80% LVR | 6.19% | 6.22% | — |
| Variable | Owner occupied · P&I | — | 80–90% LVR | 6.39% | 6.43% | — |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CONDITIONS_SUBSEQUENT_COSTS | Cash advance | Varies | — | 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… |
| DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT | Cash advance | Varies | — | 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. |
| DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS | Cash advance | Varies | — | 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. |
| LENDERS_MORTGAGE_INSURANCE_PREMIUM | Cash advance | Varies | — | 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 |
| PROPERTY_INSPECTION_FEE | Cash advance | Varies | — | Charged at Cost. Covers the cost of us arranging independent inspection on a property under construction or renovation. |
| VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES | Cash advance | Varies | — | 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… |
| VALUATION_FEE_-_POST_SETTLEMENT | Cash advance | Varies | — | Charged at Cost. Payable to cover the cost of us arranging an independent valuation report (which we may do at any time acting reasonably). |
| BASIC_VARIATION_FEE | Event | $150 | — | Plus third party costs if applicable. Payable when we process your request to change or restructure your repayment |
| COMPLEX_VARIATION_FEE | Event | $300 | — | 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… |
| DEFAULT_ADMINISTRATION_FEE | Event | $40 | — | Charged per month, if you fail to make a payment by the due date |
| MORTGAGE_RELEASE_FEE | Event | $400 | — | 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 |
| PRINCIPAL_INCREASE_FEE_-_HOME_LOAN | Event | $300 | — | Payable when we process your request to increase the principal amount of your loan. Waived for Freedom Package loans |
| PROGRESS_PAYMENT_FEE | Event | $450 | — | Payable on the first drawdown after settlement to cover the administration costs of progress payments for your construction or home renovation |
| REDRAW_FEE | Event | $20 | — | Payable when we manually process your request (eg: in Branch) to redraw available advance funds from your loan account. Excludes online redraws |
| SETTLEMENT_FEE | Event | $100 | — | Payable when we process the settlement of your loan. Waived for Freedom Package loans |
| RTGS_OUTWARD_PAYMENT_FEE | Transaction | $20 | — | 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 |
| ESTABLISHMENT_FEE_-_BASIC_HOME_LOAN | Upfront | $300 | — | To cover our costs associated with establishing your loan |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsPayID
§ 04 — Eligibility & limits
- · Minimum age 18
- · Maximum age 75
- · Available to individuals
- · Maximum LVR 90%
- · Minimum balance $50,000
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Auswide Bank Ltd under the Consumer Data Right, last changed by them on 27 Aug 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.