---
title: "HOME LOAN PLUS — Auswide Bank Ltd"
description: "Home Loans from Auswide Bank Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/auswide-bank-ltd/products/1073ee4d-c5b1-40cf-b680-3ae3c5ff4b45
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T08:41:41.000+10:00
---

# HOME LOAN PLUS — Auswide Bank Ltd

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

**Home Loans · A-Auswide Bank**

A home loan with considerable flexibility and exceptional features such as 100% offset and variable and fixed rate options.

## At a glance

- **From (owner occupied):** 9.76% (9.92% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Bundle discount (variable) | 6.04% | 6.39% | Freedom Package Variable up to 60% |
| Bundle discount (variable) | 6.04% | 6.39% | Freedom Package Variable 60.01% to 70% |
| Bundle discount (variable) | 6.19% | 6.54% | Freedom Package Variable 70.01% to 80% |
| Bundle discount (variable) | 6.39% | 6.74% | Freedom Package Variable 80.01% to 90% |
| Bundle discount (fixed) (LVR up to 60%. Fix 1 Yr. Minimum loan amount $100,000.00) | 6.49% | 6.53% | — |
| Bundle discount (fixed) (LVR up to 60%. Fix 2 Yr. Minimum loan amount $100,000.00) | 6.49% | 6.56% | — |
| Bundle discount (fixed) (LVR 60.01% to 70%. Fix 1 Yr. Minimum loan amount $100,000.00) | 6.49% | 6.53% | — |
| Bundle discount (fixed) (LVR 60.01% to 70%. Fix 2 Yr. Minimum loan amount $100,000.00) | 6.49% | 6.56% | — |
| Bundle discount (fixed) (LVR up to 60%. Fix 3 Yr. Minimum loan amount $100,000.00) | 6.54% | 6.6% | — |
| Bundle discount (fixed) (LVR 60.01% to 70%. Fix 3 Yr. Minimum loan amount $100,000.00) | 6.54% | 6.6% | — |
| Bundle discount (fixed) (LVR 70.01% to 80%. Fix 1 Yr. Minimum loan amount $100,000.00) | 6.54% | 6.66% | — |
| Bundle discount (fixed) (LVR 70.01% to 80%. Fix 2 Yr. Minimum loan amount $100,000.00) | 6.54% | 6.69% | — |
| Bundle discount (fixed) (LVR 70.01% to 80%. Fix 3 Yr. Minimum loan amount $100,000.00) | 6.59% | 6.72% | — |
| Bundle discount (fixed) (LVR 80.01% to 90%. Fix 1 Yr. Minimum loan amount $100,000.00) | 6.74% | 6.86% | — |
| Bundle discount (fixed) (LVR 80.01% to 90%. Fix 2 Yr. Minimum loan amount $100,000.00) | 6.74% | 6.88% | — |
| Bundle discount (fixed) (LVR 80.01% to 90%. Fix 3 Yr. Minimum loan amount $100,000.00) | 6.79% | 6.92% | — |
| Bundle discount (fixed) (LVR 90.01% to 95%. Fix 2 Yr. Minimum loan amount $100,000.00) | 6.84% | 7.3% | — |
| Bundle discount (fixed) (LVR 90.01% to 95%. Fix 3 Yr. Minimum loan amount $100,000.00) | 6.84% | 7.28% | — |
| Bundle discount (fixed) (LVR up to 60%. Fix 5 Yr. Minimum loan amount $100,000.00) | 6.89% | 6.82% | — |
| Bundle discount (fixed) (LVR 60.01% to 70%. Fix 5 Yr. Minimum loan amount $100,000.00) | 6.89% | 6.82% | — |
| Bundle discount (fixed) (LVR 70.01% to 80%. Fix 5 Yr. Minimum loan amount $100,000.00) | 6.89% | 6.9% | — |
| Bundle discount (variable) | 6.89% | 7.23% | Freedom Package Variable 90.01% to 95% |
| Bundle discount (fixed) (LVR 80.01% to 90%. Fix 5 Yr. Minimum loan amount $100,000.00) | 7.09% | 7.1% | — |
| Bundle discount (fixed) (LVR 90.01% to 95%. Fix 1 Yr. Minimum loan amount $100,000.00) | 7.14% | 7.34% | — |
| Bundle discount (fixed) (LVR 90.01% to 95%. Fix 5 Yr. Minimum loan amount $100,000.00) | 7.14% | 7.39% | — |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Bundle discount (variable) | 6.24% | 6.59% | Freedom Package Variable up to 60% |
| Bundle discount (variable) | 6.24% | 6.59% | Freedom Package Variable 60.01% to 70% |
| Bundle discount (variable) | 6.24% | 6.59% | Freedom Package Variable 70.01% to 80% |
| Bundle discount (fixed) | 6.74% | 6.55% | Freedom Package Fix 1 Yr up to 60% |
| Bundle discount (fixed) | 6.74% | 6.55% | Freedom Package Fix 1 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.74% | 6.6% | Freedom Package Fix 1 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.79% | 6.62% | Freedom Package Fix 2 Yr up to 60% |
| Bundle discount (fixed) | 6.79% | 6.62% | Freedom Package Fix 2 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.79% | 6.66% | Freedom Package Fix 2 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.84% | 6.69% | Freedom Package Fix 3 Yr up to 60% |
| Bundle discount (fixed) | 6.84% | 6.69% | Freedom Package Fix 3 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.84% | 6.73% | Freedom Package Fix 3 Yr 70.01% to 80% |
| Bundle discount (fixed) | 7.04% | 6.89% | Freedom Package Fix 5 Yr up to 60% |
| Bundle discount (fixed) | 7.04% | 6.89% | Freedom Package Fix 5 Yr 60.01% to 70% |
| Bundle discount (fixed) | 7.04% | 6.92% | Freedom Package Fix 5 Yr 70.01% to 80% |
| Variable (Loans over $10,000. LVR <=80%) | 9.76% | 9.92% | — |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Bundle discount (variable) | 6.19% | 6.54% | Freedom Package Variable up to 60% |
| Bundle discount (variable) | 6.19% | 6.54% | Freedom Package Variable 60.01% to 70% |
| Bundle discount (variable) | 6.24% | 6.59% | Freedom Package Variable 70.01% to 80% |
| Bundle discount (variable) | 6.64% | 6.98% | Freedom Package Variable 80.01% to 90% |
| Bundle discount (fixed) | 6.74% | 6.68% | Freedom Package Fix 1 Yr up to 60% |
| Bundle discount (fixed) | 6.74% | 6.68% | Freedom Package Fix 1 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.74% | 6.73% | Freedom Package Fix 1 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.79% | 6.74% | Freedom Package Fix 2 Yr up to 60% |
| Bundle discount (fixed) | 6.79% | 6.74% | Freedom Package Fix 2 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.79% | 6.78% | Freedom Package Fix 2 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.84% | 6.8% | Freedom Package Fix 3 Yr up to 60% |
| Bundle discount (fixed) | 6.84% | 6.8% | Freedom Package Fix 3 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.84% | 6.83% | Freedom Package Fix 3 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.94% | 7.1% | Freedom Package Fix 1 Yr 80.01% to 90% |
| Bundle discount (fixed) | 6.99% | 7.13% | Freedom Package Fix 2 Yr 80.01% to 90% |
| Bundle discount (fixed) | 7.04% | 6.97% | Freedom Package Fix 5 Yr up to 60% |
| Bundle discount (fixed) | 7.04% | 6.97% | Freedom Package Fix 5 Yr 60.01% to 70% |
| Bundle discount (fixed) | 7.04% | 7% | Freedom Package Fix 5 Yr 70.01% to 80% |
| Bundle discount (fixed) | 7.04% | 7.17% | Freedom Package Fix 3 Yr 80.01% to 90% |
| Bundle discount (fixed) | 7.24% | 7.3% | Freedom Package Fix 5 Yr 80.01% to 90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Bundle discount (variable) | 6.24% | 6.59% | Freedom Package Variable up to 60% |
| Bundle discount (variable) | 6.24% | 6.59% | Freedom Package Variable 60.01% to 70% |
| Bundle discount (variable) | 6.24% | 6.59% | Freedom Package Variable 70.01% to 80% |
| Bundle discount (variable) | 6.64% | 6.98% | Freedom Package Variable 80.01% to 90% |
| Bundle discount (fixed) | 6.74% | 6.68% | Freedom Package Fix 1 Yr up to 60% |
| Bundle discount (fixed) | 6.74% | 6.68% | Freedom Package Fix 1 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.74% | 6.73% | Freedom Package Fix 1 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.79% | 6.74% | Freedom Package Fix 2 Yr up to 60% |
| Bundle discount (fixed) | 6.79% | 6.74% | Freedom Package Fix 2 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.79% | 6.78% | Freedom Package Fix 2 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.84% | 6.8% | Freedom Package Fix 3 Yr up to 60% |
| Bundle discount (fixed) | 6.84% | 6.8% | Freedom Package Fix 3 Yr 60.01% to 70% |
| Bundle discount (fixed) | 6.84% | 6.83% | Freedom Package Fix 3 Yr 70.01% to 80% |
| Bundle discount (fixed) | 6.94% | 7.1% | Freedom Package Fix 1 Yr 80.01% to 90% |
| Bundle discount (fixed) | 6.99% | 7.13% | Freedom Package Fix 2 Yr 80.01% to 90% |
| Bundle discount (fixed) | 7.04% | 6.97% | Freedom Package Fix 5 Yr up to 60% |
| Bundle discount (fixed) | 7.04% | 6.97% | Freedom Package Fix 5 Yr 60.01% to 70% |
| Bundle discount (fixed) | 7.04% | 7% | Freedom Package Fix 5 Yr 70.01% to 80% |
| Bundle discount (fixed) | 7.04% | 7.17% | Freedom Package Fix 3 Yr 80.01% to 90% |
| Bundle discount (fixed) | 7.24% | 7.3% | Freedom Package Fix 5 Yr 80.01% to 90% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ESTABLISHMENT_FEE_-_HOME_LOAN_PLUS — To cover costs associated with establishing your loan. Waived for Freedom Package loans | Upfront | $600.00 |
| PRINCIPAL_INCREASE_FEE_-_HOME_LOAN — Payable when we process your request to increase the principal amount of your loan. Waived for Freedom Package loans | Event | $300.00 |
| PROGRESS_PAYMENT_FEE — Payable on the first drawdown after settlement to cover the administration costs of progress payments for your construction or home renovation | Event | $450.00 |
| SETTLEMENT_FEE — Payable when we process the settlement of your loan. Waived for Freedom Package loans | Event | $100.00 |
| VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES — Initial Valuation Fee included in Establishment Fee up to $300 (total per application). Initial Valuation Fee included in Package Fee up to $400 (total per application), subsequent Valuation Fees (eg. additional loans) included in Package Fee up to $300 (total per application). | Cash advance | Variable |
| LENDERS_MORTGAGE_INSURANCE_PREMIUM — Premium varies according to the amount borrowed and the valuation of the secured property/s - an estimate will be provided after the security valuation is received | Cash advance | Variable |
| PROPERTY_INSPECTION_FEE — Charged at Cost. Covers the cost of us arranging independent inspection on a property under construction or renovation. | Cash advance | Variable |
| DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS — Charged at Cost. May apply where we need to engage external solicitors to prepare the mortgage documents. Covers the cost of documentation preparation, Government charges etc. | Cash advance | Variable |
| RATE_LOCK_FEE — Minimum fee of $250.00. If you elect to lock-in a fixed interest rate prior to commencement of the fixed rate term. Minimum fee $250.00 | Event | 0.15% of balance |
| PACKAGE_FEE_-_FREEDOM_PACKAGE — Charged yearly · Annual mortgage package fee entitles you to benefits such as discounts & fee waivers on your home loan or line of credit, transaction accounts, credit card etc. · Discount −100% of fee — Shareholder of Auswide Bank (eligibility: Other: Must provide Holder Identification Number) | Ongoing | $395.00 |
| ACCOUNT_SERVICE_FEE_-_HOME_LOAN_PLUS — Charged monthly · Payble for managing your account. Waived for Freedom Package loans | Ongoing | $10.00 |
| MORGAGE_OFFSET_ADMINISTRATION_FEE — Payable when we link your qualifying loan to a qualifying deposit account to provide mortgage offset. Waived for Freedom Package | Event | $75.00 |
| BASIC_VARIATION_FEE — Plus third party costs if applicable. Payable when we process your request to change or restructure your repayment | Event | $150.00 |
| COMPLEX_VARIATION_FEE — Plus any applicable break costs and third party costs if applicable. Payable when we process your request that varaies your product, security, interest rate or repayment type, unless switching to Principal & Interest payments. Waived for Freedom Package loans when changing interest rate and or interest type | Event | $300.00 |
| REDRAW_FEE — Payable when we manually process your request (eg: in Branch) to redraw available advance funds from your loan account. Excludes online redraws | Event | $20.00 |
| VALUATION_FEE_-_POST_SETTLEMENT — Charged at Cost. Payable to cover the cost of us arranging an independent valuation report (which we may do at any time acting reasonably). | Cash advance | Variable |
| BREAK_COSTS — Calculated at the time of your request. Payable if during a fixed rate period you, repay all or part of the amount you owe us, request a change to your interest rate type and we agree and process your request, request a change to your fixed interest rate and we agree and process your request. | Cash advance | Variable |
| DEFAULT_ADMINISTRATION_FEE — Charged per month, if you fail to make a payment by the due date | Event | $40.00 |
| CONDITIONS_SUBSEQUENT_COSTS — Charges vary - Charged at Cost. May apply to reimburse us the costs associated with confirming compliance with any special conditions in your loan agreement, such as the charges from third parties to provide reports to us. | Cash advance | Variable |
| RTGS_OUTWARD_PAYMENT_FEE — Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment | Transaction | $20.00 |
| DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT — Unacertainable - Are costs reasonably incurred by us in providing the service and include such costs as legal costs, document custodian charges, titles office fees, and electronic processing fees. | Cash advance | Variable |
| MORTGAGE_RELEASE_FEE — Plus third party costs if applicable. Payable per mortgage when we process your request to release a security from your loan, including a partial release. Third party costs may also be payable | Event | $400.00 |

## Features

- **Offset account**
- **Redraw facility**
- **Bill payment (BPAY)**
- **Real-time payments (NPP)**
- **PayID**
- **Extra repayments**

## Eligibility

- **Minimum age** — 18 years
- **Maximum age** — 75 years
- **Individuals only**

## Constraints

- **Minimum balance** — $10,000.00
- **Maximum balance** — $3,500,000.00
- **Maximum LVR** — 95% (LVR up to 95% for Owner Occupied loans. LVR up to 90% for Investment loans)

## Bundles

- **FREEDOM_PACKAGE** — A mortgage package offering interest rate savings and fee waivers on the home loan and other financial services.

## More information from Auswide Bank Ltd

- [Overview](https://auswidebank.com.au/home-loans/compare-home-loans/)
- [Terms & conditions](https://auswidebank.com.au/help/resources/terms-and-conditions/)
- [Fees & pricing](https://auswidebank.com.au/help/resources/fees-and-charges/)
- [Bundle information](https://auswidebank.com.au/home-loans/compare-home-loans/variable-rate-home-loan-plus-freedom-package/)

## Data provenance

- Published by Auswide Bank Ltd under the Consumer Data Right
- Product ID: `1073ee4d-c5b1-40cf-b680-3ae3c5ff4b45`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/auswide-bank-ltd/1073ee4d-c5b1-40cf-b680-3ae3c5ff4b45
- Provider page: https://www.cdrcompare.au/brands/auswide-bank-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000144

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/auswide-bank-ltd/products/1073ee4d-c5b1-40cf-b680-3ae3c5ff4b45) — 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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