Aussie Home Loans

Rates and Fees verified correct on May 5th, 2016

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

Aussie home loans logoBesides being named as Australia's Top Mortgage Broker 3 years' running by The Adviser, 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.Aussie is 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 a good deal. Take a closer look at what Aussie Home Loans has to offer with their range of home loans below.

Compare Aussie's Home Loan products

Rates last updated May 5th, 2016
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Loan purpose
Offset account
Loan type
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Product nameInterest 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 LVR up to 80% (Owner Occupier)
Lock in a 3 year fixed rate with no upfront or ongoing fees.
4.18% 4.23% $0 $0 p.a. 90% Go to site More info
Aussie Select Basic Fixed Rate Home Loan - 2 Year Fixed LVR up to 80% (Owner Occupier)
Two year fixed rate home loans with a low interest rate and a low annual fee.
4.18% 4.24% $0 $0 p.a. 90% Go to site More info
Aussie Optimizer Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier) P&I
Take advantage of a low interest rate and no hidden fees.
4.29% 4.55% $0 $0 p.a. 95% Go to site More info
Aussie Optimizer Variable Rate - <$750k LVR <= 80% (Owner Occupier) P&I
No application or ongoing fees and fee free extra repayments.
4.24% 4.25% $0 $0 p.a. 80% Go to site More info
Aussie Optimizer Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier) P&I
Give your mortgage some added security Aussie Optimizer Fixed Rate home loan.
4.19% 4.51% $0 $0 p.a. 95% Go to site More info
4.24% 4.20% $0 $0 p.a. 90% Go to site More info
Aussie Select Basic Variable  - <$500k (LVR <= 80%) (Owner Occupier)
A competitive rate with no ongoing monthly fees or application fees.
4.24% 4.25% $0 $0 p.a. 80% Go to site More info
4.47% 4.48% $0 $0 p.a. 90% Go to site More info
Aussie Optimizer Fixed Rate Home Loan - 5 Year Fixed Rate (Owner Occupier) P&I
Borrow up to 90% and enjoy a low interest rate and no ongoing fee.
4.49% 4.55% $0 $0 p.a. 95% Go to site More info
Aussie Optimizer Variable Rate - <$750k LVR >90% (Owner Occupier) P&I
$0 application fee with a low interest rate.
4.57% 4.58% $0 $0 p.a. 95% Go to site More info
Aussie Select Basic Variable  - <$500k (LVR 80.01% to 90%) (Owner Occupier)
Aussie Select Basic Standard Variable home loan
4.39% 4.40% $0 $0 p.a. 90% Go to site More info
Aussie Select Basic Fixed Rate Home Loan - 5 Year Fixed LVR up to 80% (Owner Occupier)
A 5 year fixed home loan with a low interest rate for owner occupiers.
4.59% 4.36% $0 $0 p.a. 90% Go to site More info
Aussie Optimizer Plus Variable Rate - <$750k LVR > 90% (Owner Occupier) P&I
Enjoy a competitive rate and 100% offset account with this loan.
4.57% 4.77% $0 $198 p.a. 95% Go to site More info
4.24% 4.46% $0 $0 p.a. 80% Go to site More info
Aussie Optimizer Plus Variable Rate - <$750k LVR <= 80% (Owner Occupier) P&I
Take advantage of a discounted rate in exchange for keeping your LVR below 80%
4.24% 4.44% $0 $198 p.a. 80% Go to site More info
Aussie Optimizer Plus Variable Rate - <$750k LVR 80.01% to 90% (Owner Occupier) P&I
Make use of a low rate, 100% offset account and redraw facility.
4.47% 4.67% $0 $198 p.a. 90% Go to site More info
4.32% 4.51% $0 $0 p.a. 90% Go to site More info

Contact an Aussie Mortgage Broker

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Aussie’s Mortgage Brokers can save you time and effort by helping you research, organise and apply for your home loan, at no cost to you. They compare hundreds of home loans to help find the right deal for you. Fill out the form on the left and an Aussie Mortgage Broker will meet you at a time of your choosing to discuss your needs and help you find the right loan.


What home loans do Aussie offer?

Fixed home loans

Aussie has a number of fixed rate loans on offer, including the Select Basic Fixed and the Optimizer Fixed and Optimizer Plus Fixed. Each loan has fixed terms of between one and five years, so you can choose a term which suits your needs. Some of these loans allow borrowers to make additional repayments during the fixed term.

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, including redraw and loan splitting, plus there are no or few ongoing fees.

Line of credit

If you have equity in your property 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 cover renovations or go on a holiday and with a line of credit loan, it’s typically cheaper than credit cards or unsecured lines of credit, and don’t have to repay the amount until you reach your credit limit. Should you sell the security, this has to be repaid in full.

Low doc

Low Documentation (Low Doc) Home Loans are designed for the self-employed and small business owners who may not have access to the financial statements and tax returns usually required when applying for a home loan.

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 Mortgage Brokers are fully qualified and accredited and will meet wherever suits you. 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 right products.

Is Aussie suitable for first time buyers?

Yes, Aussie can help first home buyers to find the right loan and complete all of the paperwork required. They can help give you an idea of how much you may borrow, and how much your loan would cost to repay.

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 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 20 home loans brands which include the big banks, so Aussie Mortgage Brokers are able to compare hundreds of loans 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 19 April 2016 at 10:09.

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10 Responses to Aussie Home Loans

  1. Default Gravatar
    Main | September 4, 2015

    Hi

    I have a current home loan and looking to refinance, I am on single parenting payment and I am unable to find anyone who will look at me even tho this is my third house and I currently have a 4 year payment history on my current loan, do you know anyone who can help?

    • Staff
      Belinda | September 4, 2015

      Hi Main,

      Thanks for your enquiry.

      If you’re thinking of refinancing, you might be interested to estimate the cost of refinancing and compare a range of home loans that are suited for refinancing purposes on this page.

      Also, you can learn more about applying for a new loan when receiving government benefits here, and you can click the ‘enquire’ button to speak with a mortgage broker who will be able to draw upon their panel of lenders to find one that’s more likely to review your application.

      Thanks,
      Belinda

  2. Default Gravatar
    robert | May 26, 2015

    My daughter is divorcing, husband is taking name off title deeds. I wish to go on title deeds for my daughter to keep home. What is minimum percentage that bank will allow me on deeds and do all banks want same percentage. I ask this as I will be paying stamp duty on percentage. I know that I will be required as co signer to get loan.

    • Staff
      Belinda | June 1, 2015

      Hi Robert,

      Thanks for your enquiry.

      The minimum percentage that the lender will allow you on deeds will depend on a range of factors, so it is advisable that you contact Aussie Home Loans directly before carrying out any transfer of title or mortgage.

      Stamp duty is calculated on the value of the property or land that is being transferred and is represented as a percentage. You can contact your state office of revenue for more details.

      You can read more about fees and charges when transferring property within the family on this page.

      Thanks,
      Belinda

  3. 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

  4. 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

  5. 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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