Aussie Select Basic 4 Year Fixed (Owner Occupied)
A no-frills fixed rate home loan offering repayment certainty, with limited additional repayment options.
- From (owner occupied)
- 6.39%
- 6.18% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 4 years Owner Occupied Select - Basic 4 Year Fixed (PI) | 6.39% | 6.18% | LVRBalance |
| Fixed · 4 years Owner Occupied Select - Basic 4 Year Fixed (PI) | 6.39% | 6.18% | LVRBalance |
| Fixed · 4 years Owner Occupied Select - Basic 4 Year Fixed (PI) | 6.39% | 6.18% | LVRBalance |
| Fixed · 4 years Owner Occupied Select - Basic 4 Year Fixed (PI) | 6.59% | 6.38% | LVRBalance |
| Fixed · 4 years |
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. |
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).
Eligibility
- Minimum age — 18 yearsIndividuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.
- Individuals only — IndividualsMust be a natural person, non-individuals not accepted
- Residency status — Applicable residency statusEligible 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 — $100,000.00Minimum loan amount for new loans.
- Maximum limit — $5,000,000.00Maximum loan amount for new loans.
More Information
Published by Aussie Select under the Consumer Data Right · Last updated 9 July 2026 · Product ID 3ca6e6f6-0f48-4fd7-80e8-bd415a2216cd