Your home is likely the most valuable thing you'll purchase in a lifetime, so it's important you make the right choice when selecting a home loan.

There are many factors to consider when researching and comparing home loans. Not all rates or loans are created equal, but there a few key things that can have a big impact on your loan and your repayments.

Once you've decided whether you'd like a fixed or variable rate, or perhaps a combination of both, explore your options using the comparison rate. The comparison rate takes into account any fees and charges, allowing you to compare rates more easily.

Importantly, don't let the rate be the sole deciding factor on your loan. There are many small things that can make a big difference on your loan, for example, the ability to pay your loan off sooner, or reduce your interest with an offset account.
Auswide Bank home loans contain many big difference features; small benefits that can help make your life and loan easier.

For example, unlike many other lenders, Auswide Bank's 100% offset account is available for both variable and fixed rate home loans. This means every dollar in your Mortgage Offset Account is offset against your linked home loan, which saves you the equivalent rate of interest. It's often used as a savings account, or for everyday banking, and could mean you pay your mortgage off sooner.

Another handy feature is the ability to make additional repayments and online redraw. This gives you the freedom to 'get ahead' on your repayments and also redraw this extra money when you need to. Unlike many other lenders that restrict offset accounts to variable rate loans, redraw is even available on Auswide Bank's fixed rate loans.

If you're already banking with Auswide Bank, you can receive many savings and incentives on your home loan with our Freedom Package.

For more information on our home loans or to start your application, take a look through our website, phone 1300 138 831 or visit your local branch.