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 so you can pay off your loan sooner!

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

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.
  • Eligible for Freedom Package discounts & savings *
  • 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

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.

^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.

+A break cost may apply if the fixed loan is paid out in full or any change made to the loan structure within the fixed term.

* Freedom Package not available on Bridging Loans