Auswide Bank home loans

Auswide Bank has home loans for owner-occupiers and investors, with rates starting from 5.74%.

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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 February 2025

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Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
AusWide Bank logo
Principal & Interest 2Y Fixed40% min. depositOwner-occupierOffset account
AusWide Bank logo
Principal & Interest 2Y Fixed40% min. depositOwner-occupierOffset account
Product NameAuswide Bank Special Offer Fixed Home Loan Plus with Freedom Package
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.6.45%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.74%
Comparison Rate
6.45%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$876
AusWide Bank logo
Principal & Interest 2Y Fixed30% min. depositOwner-occupierOffset account
AusWide Bank logo
Principal & Interest 2Y Fixed30% min. depositOwner-occupierOffset account
Product NameAuswide Bank Special Offer Fixed Home Loan Plus with Freedom Package
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.6.45%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.74%
Comparison Rate
6.45%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$876
AusWide Bank logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupierOffset account
AusWide Bank logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupierOffset account
Product NameAuswide Bank Special Offer Fixed Home Loan Plus with Freedom Package
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.6.45%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.74%
Comparison Rate
6.45%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$876
AusWide Bank logo
Principal & Interest40% min. depositOwner-occupierOffset account
AusWide Bank logo
Principal & Interest40% min. depositOwner-occupierOffset account
Product NameAuswide Bank Variable Home Loan Plus with Freedom Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.6.44%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.09%
Comparison Rate
6.44%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$909
AusWide Bank logo
Principal & Interest30% min. depositOwner-occupierOffset account
AusWide Bank logo
Principal & Interest30% min. depositOwner-occupierOffset account
Product NameAuswide Bank Variable Home Loan Plus with Freedom Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.6.44%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.09%
Comparison Rate
6.44%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$909
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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.

More home loan questions

Compare other products from Auswide

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full Finder Score breakdown

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Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 585 Finder guides across topics including:
  • Home loans
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