HOME LOAN PLUS
A home loan with considerable flexibility and exceptional features such as 100% offset and variable and fixed rate options.
- From (owner occupied)
- 9.76%
- 9.92% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Bundle discount (variable) | 6.09% | 6.44% | Freedom Package Variable up to 60% |
| Bundle discount (variable) | 6.09% | 6.44% | Freedom Package Variable 60.01% to 70% |
| Bundle discount (variable) | 6.09% | 6.44% | 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% | 6.57% | — |
| Bundle discount (fixed) LVR up to 60%. Fix 2 Yr. Minimum loan amount $100,000.00 | 6.49% |
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 |
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
Published by Auswide Bank Ltd under the Consumer Data Right · Last updated 13 May 2026 · Product ID 1073ee4d-c5b1-40cf-b680-3ae3c5ff4b45 · View on CDR.gov.au