Aussie Home Loans

Rates and Fees verified correct on May 23rd, 2015

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Both a lender and mortgage broker, Aussie has their all their home loan knowledge down pat.

Besides being one of Australia's mortgage broker of the year seven years running, Aussie has a great range of its own home loan products to suit your situation. Their products don't have any hidden fees and charges and come with flexible loan features combined with fast home loan application processing. Check out our Aussie Home Loan comparison below for details on their latest offers.

Non-bank lenders are not restricted in the types of loans they are able to offer, they simply operate on a smaller scale because most Australians will automatically choose to bank with one of the Big Four rather than shop around for the best deal. Now that you’ve taken the time to take a closer look at what Aussie Home Loans has to offer, you can see their range of home loans below.

Jump ahead to see what your repayments will be.

Aussie Select Basic Fixed Rate Home Loan - 3 Year Fixed Rate

Aussie Home Loan Offer

The Aussie Select Basic Fixed Rate Home Loan - 3 Year Fixed Rate offers one of the lowest interest rates in the market with $0 application fee and $0 ongoing fee.

  • Interest Rate of 4.49% p.a.
  • Comparison Rate of 4.54% p.a.
  • Application Fee of $0
  • Maximum LVR: 90%
  • Minimum Borrowing: $100,000
  • Maximum Borrowing: $2,000,000
Rates last updated May 23rd, 2015
$
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Aussie Select Basic Fixed Rate Home Loan - 3 Year Fixed Rate
A 3 year fixed rate home loans term from Aussie.
4.49% 4.54% $0 $0 90% Go to site More info
Aussie Select Basic Fixed Rate Home Loan - 2 Year Fixed Rate
Two year fixed rate home loans with a low interest rate and a low annual fee.
4.39% 4.52% $0 $0 90% Go to site More info
Aussie Optimizer Fixed Rate Home Loan - 1 Year Fixed Rate
Take advantage of a low interest rate and no hidden fees.
4.39% 4.80% $0 $0 95% Go to site More info
Aussie Optimizer Variable Rate - LVR < 80%
A low interest rate home loan. Borrow up to 80% of the home loans value.
4.42% 4.43% $0 $0 80% Go to site More info
Aussie Optimizer Fixed Rate Home Loan - 2 Year Fixed Rate
Give your mortgage some added security Aussie optimizer fixed rate home loan.
4.39% 4.76% $0 $0 95% Go to site More info
4.59% 4.55% $0 $0 90% Go to site More info
Aussie Select Basic Variable  - <$500k (LVR <= 80%)
A low rate home loans from Aussie.
4.34% 4.35% $0 $0 80% Go to site More info
Aussie Optimizer Variable Rate - LVR 80.01% to 90%
A low rate home loans with no application fee.
4.52% 4.53% $0 $0 90% Go to site More info
Aussie Optimizer Fixed Rate Home Loan - 5 Year Fixed Rate
Borrow up to 90% and enjoy a low interest rate and no ongoing fee.
4.59% 4.74% $0 $0 95% Go to site More info
Aussie Optimizer Variable Rate - LVR >90%
$0 application fee with a low interest rate.
4.62% 4.63% $0 $0 95% Go to site More info
Aussie Select Basic Variable  - <$500k (LVR 80.01% to 90%)
Aussie Select Basic Standard Variable home loan
4.44% 4.45% $0 $0 90% Go to site More info
Aussie Select Basic Fixed Rate Home Loan - 5 Year Fixed Rate
5 year fixed home loan with a low interest rate
4.59% 4.57% $0 $0 90% Go to site More info
Aussie Optimizer Plus Variable Rate - <$500k (LVR > 90%)
Enjoy a competitive rate and 100% offset account with this loan.
4.62% 4.82% $0 $198 95% Go to site More info
Aussie Optimizer 1 Year Discounted Basic Variable Home Loan - LVR < 80%
Enjoy a lower rate for the first year of this loan, also no application fees.
4.22% 4.41% $0 $0 80% Go to site More info
Aussie Optimizer Plus Variable Rate - <$500k (LVR <= 80%)
Take advantage of a discounted rate in exchange for keeping your LVR below 80%
4.42% 4.62% $0 $198 80% Go to site More info
Aussie Optimizer Plus Variable Rate - <$500k (LVR 80.01% to 90%)
Make use of a low rate, 100% offset account and redraw facility.
4.52% 4.72% $0 $198 90% Go to site More info
Aussie Optimizer 1 Year Discounted Basic Variable Home Loan - LVR 80.01% to 90%
Get a discounted rate for one year so you reduce your costs.
4.32% 4.51% $0 $0 90% Go to site More info

Calculate how much your repayments will be


What can Aussie home loans offer me?

Fixed home loans

You will find low interest rates on Aussie’s fixed home loans so you will not only be guaranteed that rate and enjoy a constant home loan repayment, you’ll also have more money left in your budget for other living expenses or luxuries. The fixed interest rate loans from Aussie may also suit your needs if you’re not looking for a lot of extra features. This means you don’t have to worry about paying for features you don’t want or need, and you can instead go about paying off your loan simply and easily each month.

Variable rate home loans

If you want to enjoy the drops in interest rates and ride out the rises you may choose one of Aussie’s variable loans when you purchase your first or next home. You’ll also be able to enjoy a range of features for free, including redraw and loan splitting, plus there are no or few ongoing fees.

Line of credit

If you have equity in your property or are able to offer another form of security you may be eligible for a line of credit above the amount of your home loan from Aussie. You can use your line of credit to make your repayments, cover renovations or as a safety net fund on an investment property and with a line of credit loan, you are getting credit at one of the lowest interest rates available, and don’t have to repay the amount until you reach your credit limit.

Low doc

If you don’t fit standard lending criteria don’t worry because you may qualify for Aussie’s low doc home loan if you can provide a 20% deposit. You may not have the necessary paperwork because you are self-employed, have a poor credit history or are a new Australian but you can still own your own home.

As you can see, opting for a smaller lender in the Australian financial market does not mean you have to go without the features, range and benefits of a personalised loan and all of the latest features.

Overloaded with information? Click here for our guide on how to compare home loans.

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Aussie versus other mortgage brokers

Aussie's broking service has won awards seven years in a row. A feat almost unheard of in the industry. Aussie Mortgage Brokers are fully trained and regulated and will meet wherever suits you. Unlike other brokers they'll listen to your financial situation, and draw up a plan of action personalised to you. It's only then they'll start looking for potential deals. And don't worry, they won't be pushing certain loans on you. If a loan isn't right for you they won't suggest it.

Aussie Mortgage Brokers

Frequently asked questions

So you like the sound of Aussie so far, but you have a few more questions you need answered. This section will cover some of the most frequently asked questions about the Aussie service.

How do I get started?

The first thing you need to do is make an appointment with an Aussie Mortgage Broker. You can arrange to meet them at your local Aussie store, or at a location suitable for you. They'll discuss your situation and give you a complete analysis before coming up with a range of suitable products for you to look at.

Why go to an Aussie Mortgage Broker?

Aussie Mortgage Brokers all go through a rigorous training and qualification process before they can join the Aussie team. They're also regulated by the relevant financial watchdogs so you know you're in safe hands. Perhaps the biggest benefit of working with an Aussie Mortgage Broker is their access to Toolbox. This is an exclusive analysis tool which looks at your situation and matches you to the perfect products.

Is Aussie suitable for first time buyers?

There are a range of calculators on the Aussie site which will give you an idea of how much you can borrow, and how much it would cost to repay. Aussie Mortgage Brokers are also on hand to guide you through the sometimes overwhelming amount of information out there.

Can I refinance with Aussie?

Refinancing could save you money depending on your current lender. Have a look at the loans on offer with Aussie, get in contact, and an Aussie Mortgage Broker will work out exactly how much you could save.

What about using Aussie for investment loans?

If you're a property investor Aussie can help find the right investment loan for you. There's a wealth of information available for you, so even if you're new to investing in property you'll be able to lay your hands on the information you need when you need it.

Aussie versus the banks

Aussie has a panel of up to 19 lenders which include the big banks, so Aussie Mortgage Brokers are able to compare hundreds of loans from all their lenders, using Aussie’s Toolbox software to find the deal that's right for you. If you don’t want to switch from your current bank, they could re-negotiate with your bank using the existing relationships they have with them to help you get the most out of your bank. Aussie also has a range of their own products with competitive rates and features.

Refinancing could save you thousands depending on your current lender. Have a look at the loans on offer with Aussie, get in contact, and an Aussie Mortgage Broker will work out exactly how much you could save.

If you're a property investor Aussie can help find the right investment loan for you.

There's a wealth of information available for you, so even if you're new to investing in property you'll be able to lay your hands on the information you need when you need it.

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This page was last modified on 2 March 2015 at 14:49.

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6 Responses to Aussie Home Loans

  1. Default Gravatar
    jackie | February 27, 2015

    We badly need renovations and have about $30K owing with $45K redraw available. Are looking to borrow and have been told that line of credit option is best option atm. Our home is probably worth over $700K. How do I go about finding which company is best when our own bank requirements are ridiculous and no loyalty whatsoever considering we have been with them for over 20 years. We may need up to $150K.
    Thank you.

    • Staff
      Shirley | February 27, 2015

      Hi Jackie,

      Thanks for your question.

      Please note that finder.com.au is an online comparison service and does not represent Aussie Mortgage Brokers. If you would like to discuss your eligibility or options, please get in touch with them directly.

      If you’d like, you can also compare a range of line of credit loans on this page.

      Cheers,
      Shirley

  2. Default Gravatar
    Peter | July 19, 2014

    Aussie phone number for SA.

    • Staff
      Shirley | July 21, 2014

      Hi Peter,

      Thanks for your question.

      Please refer to the link I’ve emailed you regarding contact details for Aussie.

      Cheers,
      Shirley

  3. Default Gravatar
    shivang | April 4, 2014

    I am looking for business loan around $ 275000 for dominos pizza franchise. I had 170000$ ready in my bank account for margin money. Store selection is completed.

    can you guide me the contacts for the business loan in sydney?

    Regards,

    Shivang

    • Staff
      Marc | April 7, 2014

      Hi Shivang,
      thanks for the question.

      Unfortunately we don’t offer a comprehensive business loan comparison at this current time. I’d recommend carrying out your own comparison of business loans on the internet and then contacting a lender you’re interested in to find out more. I’m more than happy to help give a general comparison of any specific loans you find promising.

      Sorry I couldn’t be of more help,
      Marc.

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