---
title: "Aussie Select Basic 4 Year Fixed (Owner Occupied) — Aussie Select"
description: "Home Loans from Aussie Select. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/aussie-select/products/3ca6e6f6-0f48-4fd7-80e8-bd415a2216cd
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-13T23:58:25.151Z
---

# Aussie Select Basic 4 Year Fixed (Owner Occupied) — Aussie Select

> Home Loans from Aussie Select. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

A no-frills fixed rate home loan offering repayment certainty, with limited additional repayment options.

## At a glance

- **From (owner occupied):** 6.39% (6.33% comparison)

## Apply

Applications are handled by the provider: [Apply at Aussie Select](https://www.aussie.com.au/home-loans/aussies-own-home-loans/aussie-select/)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (PI)) | 6.39% | 6.33% | LVR ≤60%; Balance $100,000–$5,000,000 |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (PI)) | 6.39% | 6.33% | LVR 60.01–70%; Balance $100,000–$5,000,000 |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (PI)) | 6.39% | 6.33% | LVR 70.01–80%; Balance $100,000–$5,000,000 |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (PI)) | 6.59% | 6.4% | LVR 80.01–90%; Balance $100,000–$5,000,000 |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (PI)) | 6.79% | 6.54% | LVR 90.01–95%; Balance $100,000–$5,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (IO)) | 6.64% | 6.42% | LVR ≤60%; Balance $100,000–$5,000,000 |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (IO)) | 6.64% | 6.42% | LVR 60.01–70%; Balance $100,000–$5,000,000 |
| Fixed · 4 years (Owner Occupied Select - Basic 4 Year Fixed (IO)) | 6.64% | 6.42% | LVR 70.01–80%; Balance $100,000–$5,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Consent Fee — Payable for any consent related matter over the security property. | Event | $300.00 |
| Settlement Fee (Discharge) — Payable if you request a discharge of mortgage. | Event | $535.00 |
| Document Handling Fee — Payable when requesting a copy of any document or when an original document is required to be produced. | Event | $50.00 |
| Early Repayment Adjustment  — Payable when you make additional repayments greater than 5% of the Credit Limit in any year of your fixed rate loan (including paying the loan off in full); or make full prepayment during fixed rate period of a home loan; or switch your Fixed Rate loan before the selected fixed interest rate period expires; or Top up the amount of credit of home loan during a fixed rate period. | Exit | From $0.00 |
| Enforcement Costs — Reasonable costs (including internal costs and any legal costs and disbursements) arising from any default. | Event | From $0.00 |
| Further Advance Application Fee  — Payable when you request an increase to your existing Aussie Select home loan amount (a further advance) after the original loan has been settled. | Event | $400.00 |
| Late Payment Fee — Payable on each interest debit date if the loan is in arrears or in default on that date by an amount equal to or greater than your monthly loan repayment or monthly payment. | Late payment | $50.00 |
| Lenders Mortgage Insurance Premium — Lenders' Mortgage Insurance (LMI) may apply where there is an increased risk associated with a home loan. This is a one-off cost added to the total loan amount and it is designed to protect us. The LMI premium is passed on to you and is not an establishment fee or a credit provider fee. | Other | From $0.00 |
| Payment Dishonour Fee — Administration fee payable if a payment for the loan account is dishonoured. | Dishonour | $10.00 |
| Special Attendance Fee — Payable if you require any special attendances (eg. consent to second mortgage, variation or substitution of security, switching your account between different product types such as converting a fixed rate loan to a variable rate loan). | Event | $300.00 |
| Settlement Cheque Fee — Payable if you require more than three cheques to fund or settle the loan. | Event | $10.00 |
| Urgent Transfer Fee — Payable for requests to make an emergency transfer of funds from available redraw in the loan account. | Event | $30.00 |
| Valuation Fee — The initial valuation is free. A fee of $300 applies for each additional security valuation and for any further valuations requested due to variations to the original application. If the loan is not made within three months of approval, we may require an updated valuation and you must pay the cost of that valuation on demand. Any extensive valuations, such as short-form or long-form reports, are charged at cost. | Event | $300.00 |
| Variation Fee — Payable per switch or per account when switching between loan types, switch between repayment types or change your loan term or split loans. | Event | $100.00 |
| Documentation Fee — The amount of all fees we have to pay for solicitors, conveyancers or any other person in connection with the preparation and settlement of your loan contract, and the security to the extent to which reimbursement is sought from you. | Event | From $0.00 |
| Rate Lock Fee — Payable if you elect to lock your reference interest rates on new Fixed Rate home loan and Fixed Rate Investment home loan applications for 90 days for a non-refundable fee, charged per fixed rate loan account. Rate Lock can be requested any time before loan documents are issued and the reference interest rates applicable to your Rate Lock will be on the date we receive the completed Rate Lock consent from all borrowers. | Event | $750.00 |
| Legal Fee — Legal fee payable to panel solicitor at settlement. | Event | $330.00 |

## Features

- **Additional repayments can be made up to 5% of the original fixed loan approved amount as at the start of the fixed rate term per year. Break costs may apply beyond 5%.** — Additional repayments
- **Guarantor supported** — Guarantor (A person that helps you secure a loan by providing additional security)
- **10-30 years (Subject to our approval)** — Loan Term
- **Ability to switch your loan or repayment type, for example switching from an Aussie Select Basic Variable Rate to an Aussie Select Basic Fixed Rate home loan or switch from Principal and Interest repayments to Interest Only payments.** — Switching your loan
- **Ability to substitute security property and keep existing loan. Fees and break costs may apply** — Loan portability
- **This loan can be used for the purposes of owner occupied property purchases, refinancing your existing home loan, personal needs (e.g. home renovations, consolidation of personal debt, personal investments).** — Acceptable Loan Purposes
- **Digital banking** (Wherever you are in the world, we give you the choice and control to securely manage all of your accounts online.)

## Eligibility

- **Minimum age** — 18 years (Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.)
- **Individuals only** — Individuals (Must be a natural person, non-individuals not accepted)
- **Residency status** — Applicable residency status (Eligible applicants must be an Australian citizen, permanent resident, or specified temporary Australian resident; a New Zealand citizen; or an overseas citizen applying jointly with an Australian citizen or permanent resident.)
- **The loan must be supported by sufficient security, which includes an acceptable residential mortgage and, if applicable, a guarantor providing additional security.** — Sufficient security
- **Applications for home loans are subject to the Bank's normal credit approval.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan amount for new loans.)
- **Maximum limit** — $5,000,000.00 (Maximum loan amount for new loans.)

## More information from Aussie Select

- [Overview](https://www.aussie.com.au/home-loans/aussies-own-home-loans/aussie-select/)
- [Terms & conditions](https://assets.ctfassets.net/nbklqgdg5mdx/5p4vmWK5I87rxrERhixDYQ/b2ae8adeead679a4cbcf6649ec5f62ec/RMG_Terms_and_Conditions_Booklet_-_June_2026.pdf)
- [Eligibility](https://assets.ctfassets.net/nbklqgdg5mdx/2X019gqwOyYtJBpCaPYPLD/2b27124ab5ed7dc2eeee0e7c7cf919a1/AussieSelectBasicFixedRateHomeLoan-TMD-10062026.pdf)
- [Fees & pricing](https://assets.ctfassets.net/nbklqgdg5mdx/5oTqTWlzb4ne0p4qHTtzNc/02a9da694cf9128614e60a6522220d60/AHL_Interest_Rates_Effective_14_August_2026.pdf)

## Data provenance

- Published by Aussie Select under the Consumer Data Right
- Product ID: `3ca6e6f6-0f48-4fd7-80e8-bd415a2216cd`
- Last updated by the provider: 13 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/aussie-select/3ca6e6f6-0f48-4fd7-80e8-bd415a2216cd
- Provider page: https://www.cdrcompare.au/brands/aussie-select

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/aussie-select/products/3ca6e6f6-0f48-4fd7-80e8-bd415a2216cd) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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