Home Loan Plus

Your smart home loan choice!

Enjoy the freedom of flexibility.

At Auswide Bank, we understand that buying a home is one of the most exciting times of your life.

Whether you are buying vacant land, building or buying your first home, upgrading or purchasing an investment property, we make it easy and simple!

Picking the ‘right’ home loan at some banks can be pretty confusing, that’s why we’ve designed Home Loan Plus to meet your needs both now and in the future.

Why Home Loan Plus? It’s because Home Loan Plus is jam packed with lots of features such as the ability to switch between variable and fixed interest rates with ease, an optional 100% offset account, redraw facility and extra payments without penalty so you can pay off your loan sooner!

You can make even greater savings on home loan interest, loan & everyday banking fees, home & car insurance and credit cards when you qualify for our Freedom Package.

Apart from great flexibility and value, you can also count on being supported both now, with obligation free advice and pre-approval, and in the future by a Home Lending Consultant who is always approachable and available.

Enquire Online Lending Consultants Switch to Auswide Home Loans Calculators

With a Home Loan Plus, you can enjoy:

  • Easy application process & pre-approval
  • Direct line now and in the future to an experienced Home Lending Consultant.
  • Borrow up to 95% of purchase price/valuation depending on loan purpose^
  • Great value with competitive variable or fixed interest rates and the ability to switch without having to change loans.
  • Loan terms up to 30 years
  • Pay off your loan sooner with the choice of weekly, fortnightly, monthly repayments or extra, lump sum or larger payments – even when your rate is fixed+
  • Save on interest with an optional Mortgage Offset Account which provides a 100% interest offset benefit – even when your rate is fixed.
  • Redraw any extra money you've deposited~ – even when your rate is fixed.
  • Internet, Mobile and Phone Banking convenience – check your loan balance, account history and send us secure emails about your loan.
  • The ability to have a holiday from repayments when you get ahead on repayments – perfect when taking a career break or going on maternity leave
  • The option of 90 days free introductory home building insurance when purchasing an existing residential property
  • The option of Mortgage Repayment Insurance to protect you and your loved ones against not being able to make your repayments if you're unable to work due to injury or illness.

Loan Fees

Please review our Home Loan Fees & Charges for full details.

Interest Rates

Please review our Home Loan Interest Rate Schedule »


Home Loan or Line of Credit Application

Auswide Bank gives you great options for applying for or enquiring about our home loans. If you are unable to visit one of our branches why not apply now!

Apply Now

Please save the interactive PDF Home Loan Application form to your computer and complete all sections of the application to the best of your ability. Some information required includes:

  • Full names, addresses and contact details of all applicants
  • Occupation/Employer details
  • Gross monthly income from all sources
  • Asset Details (List of what you own, such as property, motor vehicles, shares, furniture, superannuation, and their values)
  • Existing Loans (Home Loans, Personal Loans, Leasing Contracts, Hire Purchase)
  • Credit Card Limits and Current Balances
  • Savings Account Details
  • Details of the property you are offering as security for the loan
  • We will also require your consent to complete a credit check on each applicant (and guarantor, if relevant) with a recognised credit reporting agency.

To submit your application, please print out your completed Loan Application, sign and return to Auswide Bank via one of the following methods:

  • Scan and email to: cc@auswidebank.com.au
  • Free Post to (no stamp required):
    Auswide Bank Home Loans
    Reply Paid 1063
    Bundaberg Qld 4670
  • Fax to: (07) 4152 3299

Our helpful Lending Consultants will be happy to follow up with any further information required when we review your application.

What Happens Next?

After receipt of your Loan Application we will assess your application and contact you within the next business day.

This will allow us to obtain any further information that may be required for approval and discuss the particulars of your application (including details of applicable fees and charges).

We also need to obtain a valuation of the property(s) being offered as security, and in certain circumstances, the approval of our mortgage insurers.

You will be required to pay for this non-refundable valuation. This is the only up-front fee payable for processing your application.

We will also need to obtain certain documentation verifying the information provided in your application. The documentation will differ for home loan or line of credit applications. Once again one of our Loans Consultants will advise you exactly what is required in your case.

After receipt of the valuation and documentation and approval of your application - you will be sent a written offer that contains the full terms and conditions of the proposed loan.

Enquire Online if you would like more information on our requirements or the loans process.

 

This information is a summary of features & benefits only. This is not an offer to lend - credit assessment criteria, terms and conditions & fees and charge apply - full details on application. Loans are only available to approved applicants offering security in approved property in Australia.

Prior to entering into a credit contract with us you should read our Credit Guide.

^Deposit criteria may vary depending on the location and type of property being used as security or the loan purpose e.g. owner occupied or investment.

~Redraw is subject to Auswide Bank's discretion – limits may apply.

+ Break costs may apply.