Basically... our lowest variable home loan rates ever!

Basic Home Loan

New owner occupied home loans.
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Our Basic Home Loan is a simple, easy to manage, ‘no fuss’ home loan for those wanting to build or buy a new home to live in.

Interest Rate

Owner Occupied

Variable Home Loans <=75% LVR

Variable Rate
Comparison Rate^

Variable Home Loans >75% LVR

Variable Rate
Comparison Rate^


Principal & Interest Repayments

Variable Rate
Comparison Rate^

Interest Only Repayments

Variable Rate
Comparison Rate^

Big difference features:

‘No Fuss’ Loan with Variable Rate

‘No Fuss’ Loan with Variable Rate

No Monthly or Ongoing Fees

No Monthly or Ongoing Fees

Borrow up to 90% of Purchase Price / Valuation

Borrow up to 90% of Purchase Price / Valuation for Owner Occupied purchases

Make Extra Repayments

Make Extra Repayments

Advance Loan Payment Holiday when you’re ahead

Advance Loan Payment Holiday when you’re ahead

What can I use the loan for?

Buying your first home with FHLDS

Buying your first home with FHLDS~

Buying your next home

Buying your next home

Building your new home

Building your new home

Refinancing to Auswide Bank

Refinancing to Auswide Bank

Loan calculator

Our loan calculators can help you plan for your home loan to purchase your dream home!

Enquire today, and begin the process.

Prefer to talk to us? There is always a real person to talk to on  1300 138 831

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Auswide Bank Ltd ABN 40 087 652 060. Australian Credit Licence 239686 is the credit issuer. Approval is subject to meeting our credit assessment criteria. Terms, conditions, fees and charges apply. Prior to entering into a credit contract with us, you should read our Credit Guide. Basic Home Loan is not available for owner occupied loans with an LVR over 90% (excepting FHLDS applicants); loans to fund investment property with an LVR over 80%; loan pre-approvals (excepting FHLDS applicants) or for loans to overseas residents. ~Auswide Bank is a panel lender for the First Home Loan Deposit Scheme (FHLDS). Eligibility criteria applies. Once the Scheme allocation for non-major panel lenders has been utilised (or taken up), standard lending approval criteria, including the need for LMI where appropriate, will apply. ^Comparison Rate is based on secured loan of $150,000 or more over 25 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates.