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Auswide Bank home loans

Auswide Bank has home loans for owner-occupiers and investors, with rates starting from 6.14%.

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Auswide Bank is a Queensland-based bank. Auswide Bank has home loans for investors and owner-occupiers, including fixed and variable rate loans. Check out the full table of Auswide Bank products below or read more about the lender and its loans.

Compare Auswide Bank home loans for May 2024

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest30% min. depositOwner-occupier
Interest Rate
6.14%
Comparison Rate
6.17%
Fees
Application: $300
Ongoing: $0 p.a.
Monthly Payment
$914
Principal & Interest40% min. depositInvestment
Interest Rate
6.34%
Comparison Rate
6.38%
Fees
Application: $300
Ongoing: $0 p.a.
Monthly Payment
$934
Principal & Interest 1Y Fixed40% min. depositOwner-occupier
Interest Rate
6.29%
Comparison Rate
7.08%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$929
Principal & Interest 2Y Fixed40% min. depositOwner-occupier
Interest Rate
6.39%
Comparison Rate
7.05%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$939
Principal & Interest 2Y Fixed40% min. depositInvestmentOffset account
Interest Rate
6.74%
Comparison Rate
7.31%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$973
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Auswide Bank key facts

  • Auswide Bank has branches across Queensland and online and phone support for customers in other parts of the country.
  • The bank has home loan options for borrowers with deposits as low as 5%, but to get some of its lowest rates you may need a larger deposit.
  • In addition to home loans, Auswide Bank also offers line of credit loans that let homeowners tap into their home equity.

Review by our senior home loans writer Richard Whitten

Auswide Bank home loan features

Here are the key features and details you need to know about Auswide Bank's mortgage products.

FeatureDetails
Minimum depositSome Auswide Bank home loans let you borrow up to 95%. This lender is a good option for borrowers with low deposits (that is, deposits below 20%).
Offset accountSome Auswide Bank loans come with offset accounts.
FeesAuswide Bank loans come with a few fees, so be sure to factor to those in to your costs before applying.

How do I apply for an Auswide Bank mortgage?

When applying for any home loan, you will need various documents to establish your identity, financial situation, employment status and details about the property.

Eligibility

Each Auswide Bank product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Auswide Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details: You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

Lenders like Auswide Bank

If you want to compare loans from similar lenders to Auswide Bank then you can start with these large online brands, small banks and credit unions:

  • Australian Unity. This customer-owned bank is headquartered in Melbourne.
  • Great Southern Bank. A Brisbane-based mutual bank (formerly CUA).
  • Community First. A NSW-based credit union.
  • IMB. A Wollongong-based mutual bank.
  • Teachers Mutual Bank. One of Australia's largest mutual banks.
  • ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
  • ING. This online bank is part of the global, Netherlands-based financial group of the same name.

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