A-Auswide BankBASIC 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.
At a glance
- Variable (owner occ. P&I)
- 6.29%6.32% comparison
- Variable (investor P&I)
- 6.44%
- Max LVR
- 90%
- Features
- redraw, extra repayments
Rates
Every rate A-Auswide Bank publishes for this home loan, 12 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- 1–60%6.29%
- 60–70%6.29%
- 70–80%6.44%
- 80–90%6.64%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | 1–60% LVR | 6.54% | 6.58% | - |
| Variable | Investment, Interest only | - | 60–70% LVR | 6.54% | 6.58% | - |
| Variable | Investment, Interest only | - | 70–80% LVR | 6.59% | 6.63% | - |
| Variable | Investment, Interest only | - | 80–90% LVR | 6.99% | 7.03% | - |
| Variable | Investment, P&I | - | 1–60% LVR | 6.44% | 6.48% | - |
| Variable | Investment, P&I | - | 60–70% LVR | 6.44% | 6.48% | - |
| Variable | Investment, P&I | - | 70–80% LVR | 6.49% | 6.53% | - |
| Variable | Investment, P&I | - | 80–90% LVR | 6.89% | 6.93% | - |
| Variable | Owner occupied, P&I | - | 1–60% LVR | 6.29% | 6.32% | - |
| Variable | Owner occupied, P&I | - | 60–70% LVR | 6.29% | 6.32% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR | 6.44% | 6.48% | - |
| Variable | Owner occupied, P&I | - | 80–90% LVR | 6.64% | 6.68% | - |
Rate changes
16 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 28 Oct 2026 | Variable, Investment, Interest only, 1–60% LVR | 6.49% | 6.54% | up 0.05 |
| 28 Oct 2026 | Variable, Investment, Interest only, 60–70% LVR | 6.49% | 6.54% | up 0.05 |
| 28 Oct 2026 | Variable, Investment, Interest only, 70–80% LVR | 6.49% | 6.59% | up 0.10 |
| 28 Oct 2026 | Variable, Investment, Interest only, 80–90% LVR | 6.89% | 6.99% | up 0.10 |
| 9 Oct 2026 | Variable, Investment, Interest only, 1–60% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 60–70% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 70–80% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 80–90% LVR | 6.64% | 6.89% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 1–60% LVR | 6.19% | 6.44% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 60–70% LVR | 6.19% | 6.44% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 70–80% LVR | 6.24% | 6.49% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 80–90% LVR | 6.64% | 6.89% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 1–60% LVR | 6.04% | 6.29% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 60–70% LVR | 6.04% | 6.29% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR | 6.19% | 6.44% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR | 6.39% | 6.64% | 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
17 fees published, grouped by when they're charged.
When you take it out1
- ESTABLISHMENT_FEE_-_BASIC_HOME_LOAN
To cover our costs associated with establishing your loan
$300
When you make a transaction8
- 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 happen8
- 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 - 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 - 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 90%
- Minimum balance $50,000
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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.