Home loans don't need to be complicated. Do you want a home loan that doesn't come with all the bells and whistles? Our Basic Home Loan is a simple, easy to manage, 'no fuss' home loan for you if you are building or buying a home.

Our Basic Loan is easy to understand, competitively priced and still has important features so you can pay off your loan earlier.

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With a Basic home loan, you can enjoy:

  • Competitive variable rate
  • Borrow up to 90% of purchase price/valuation (including LMI) for owner occupied purchases and 80% of the purchase price/valuation for investment purchases
  • Available for loans under the First Home Loan Deposit Scheme (FHLDS) borrowing up to 95% of purchase price/valuation. ^
  • No monthly or ongoing fees
  • Redraw any extra money deposited~
  • Ability to repay weekly, fortnightly or monthly
  • No penalties for extra repayments
  • Loan term up to 30 years
  • Internet, Mobile and Phone Banking convenience – you can check your  loan balance, account history and send secure emails to us about your loan.
  • The ability to have a payment holiday when you get ahead on repayments – perfect when taking a career break or going on maternity leave

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 enquire now!


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.

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

^ Auswide Bank is a panel lender for the First Home Loan Deposit Scheme (FHLDS). Eligibility criteria apply. 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.