Aussie Home Loan Rates

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Aussie, previously known as Aussie Home Loans, is an Australian mortgage broker and lender owned by the Commonwealth Bank.

Since being established in 1992, Aussie has grown to employ over 1,000 brokers with over 200 stores.

Aussie provides a wide range of home loans including fixed-rate home loans, variable-rate home loans, low-doc home loans, and others. As both a lender and a broker, Aussie offers home loans directly and also negotiates home loans with other lenders on behalf of customers.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 ("Aussie") and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Aussie home loan repayment calculator

Thinking about taking out a home loan with Aussie? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Aussie home loans compare with other options.

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Aussie home loans rates

Now showing 1 - 77 of 77 home loans

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Product	Advertised Rate	Estimated upfront fees	Company	Comparison Rate*	Ongoing fee	Go to site
Select Basic Variable	2.99% Variable	$330	Select Basic Variable	3.01%	$0		More details
Select Basic Fixed	2.89% Fixed - 3 years	$330	Select Basic Fixed	3.03%	$0		More details
Select Basic Fixed	2.89% Fixed - 2 years	$330	Select Basic Fixed	3.04%	$0		More details
Select Basic Variable	3.05% Variable	$330	Select Basic Variable	3.07%	$0	Enquire Now	More details
Select Basic Fixed	3.39% Fixed - 1 year	$330	Select Basic Fixed	3.10%	$0		More details
Activate Prime Full Doc	3.08% Variable	$330	Activate Prime Full Doc	3.11%	$0		More details
Activate Prime Full Doc	3.09% Variable	$330	Activate Prime Full Doc	3.12%	$0		More details
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Activate Prime Full Doc	3.09% Variable	$330	Activate Prime Full Doc	3.12%	$0		More details
Activate Prime Full Doc	3.09% Variable	$330	Activate Prime Full Doc	3.12%	$0	Enquire Now	More details
Activate Prime Full Doc	3.09% Variable	$330	Activate Prime Full Doc	3.12%	$0		More details
Select Standard	2.99% Variable	$330	Select Standard	3.20%	$15		More details
Select Basic Fixed	3.59% Fixed - 4 years	$330	Select Basic Fixed	3.24%	$0		More details
Select Standard	3.05% Variable	$330	Select Standard	3.26%	$15		More details
Select Basic Variable	3.39% Variable	$330	Select Basic Variable	3.40%	$0		More details
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Select Basic Variable	3.39% Variable	$330	Select Basic Variable	3.40%	$0		More details
Select Basic Fixed	2.89% Fixed - 3 years	$330	Select Basic Fixed	3.50%	$0		More details
Select Basic Variable	3.49% Variable	$330	Select Basic Variable	3.50%	$0		More details
Select Basic Fixed	2.89% Fixed - 2 years	$330	Select Basic Fixed	3.56%	$0		More details
Select Standard	3.39% Variable	$330	Select Standard	3.59%	$15		More details
Select Standard	3.39% Variable	$330	Select Standard	3.59%	$15		More details
Select Basic Fixed	3.59% Fixed - 3 years	$330	Select Basic Fixed	3.60%	$0		More details
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Select Basic Fixed	3.59% Fixed - 1 year	$330	Select Basic Fixed	3.60%	$0		More details
Select Basic Fixed	3.59% Fixed - 2 years	$330	Select Basic Fixed	3.60%	$0		More details
Select Basic Variable	3.59% Variable	$330	Select Basic Variable	3.60%	$0		More details
Select Basic Fixed	3.39% Fixed - 3 years	$330	Select Basic Fixed	3.63%	$0		More details
Select Basic Fixed	3.69% Fixed - 5 years	$330	Select Basic Fixed	3.64%	$0		More details
Select Basic Fixed	3.69% Fixed - 4 years	$330	Select Basic Fixed	3.64%	$0		More details
Select Basic Fixed	3.39% Fixed - 2 years	$330	Select Basic Fixed	3.65%	$0		More details
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Select Basic Fixed	3.59% Fixed - 4 years	$330	Select Basic Fixed	3.67%	$0		More details
Select Standard	2.89% Fixed - 3 years	$330	Select Standard	3.68%	$15		More details
Select Basic Fixed	3.39% Fixed - 1 year	$330	Select Basic Fixed	3.68%	$0		More details
Select Basic Fixed	3.44% Fixed - 1 year	$330	Select Basic Fixed	3.68%	$0		More details
Select Standard	3.49% Variable	$330	Select Standard	3.69%	$15		More details
Select Basic Fixed	3.69% Fixed - 5 years	$330	Select Basic Fixed	3.70%	$0		More details
Select Basic Variable	3.69% Variable	$330	Select Basic Variable	3.70%	$0		More details
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Select Basic Variable	3.69% Variable	$330	Select Basic Variable	3.70%	$0		More details
Select Basic Fixed	3.69% Fixed - 4 years	$330	Select Basic Fixed	3.70%	$0		More details
Select Standard	2.89% Fixed - 2 years	$330	Select Standard	3.75%	$15		More details
Select Basic Variable	3.74% Variable	$330	Select Basic Variable	3.75%	$0		More details
Select Standard	3.59% Fixed - 2 years	$330	Select Standard	3.79%	$15		More details
Select Standard	3.59% Variable	$330	Select Standard	3.79%	$15		More details
Select Standard	3.59% Fixed - 1 year	$330	Select Standard	3.79%	$15		More details
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Select Standard	3.59% Fixed - 3 years	$330	Select Standard	3.79%	$15		More details
Select Basic Fixed	3.39% Fixed - 3 years	$330	Select Basic Fixed	3.81%	$15		More details
Select Standard	3.69% Fixed - 4 years	$330	Select Standard	3.82%	$15		More details
Activate Prime Full Doc	3.79% Variable	$330	Activate Prime Full Doc	3.82%	$0		More details
Select Basic Fixed	3.39% Fixed - 2 years	$330	Select Basic Fixed	3.83%	$15		More details
Select Standard	3.69% Fixed - 5 years	$330	Select Standard	3.83%	$15		More details
Select Standard	3.59% Fixed - 4 years	$330	Select Standard	3.85%	$15		More details
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Select Standard	3.59% Fixed - 5 years	$330	Select Standard	3.85%	$15		More details
Select Basic Variable	3.84% Variable	$330	Select Basic Variable	3.85%	$0		More details
Select Standard	3.39% Fixed - 1 year	$330	Select Standard	3.86%	$15		More details
Select Basic Fixed	3.44% Fixed - 1 year	$330	Select Basic Fixed	3.86%	$15		More details
Select Basic Fixed	3.64% Fixed - 3 years	$330	Select Basic Fixed	3.88%	$0		More details
Select Basic Fixed	3.59% Fixed - 2 years	$330	Select Basic Fixed	3.89%	$0		More details
Select Standard	3.69% Fixed - 5 years	$330	Select Standard	3.89%	$15		More details
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Select Standard	3.69% Variable	$330	Select Standard	3.89%	$15		More details
Select Standard	3.69% Fixed - 4 years	$330	Select Standard	3.89%	$15		More details
Select Standard	3.69% Variable	$330	Select Standard	3.89%	$15		More details
Select Basic Fixed	3.64% Fixed - 1 year	$330	Select Basic Fixed	3.93%	$0		More details
Select Standard	3.74% Variable	$330	Select Standard	3.94%	$15		More details
Select Basic Fixed	3.94% Fixed - 4 years	$330	Select Basic Fixed	3.95%	$0		More details
Select Basic Fixed	3.94% Fixed - 5 years	$330	Select Basic Fixed	3.95%	$0		More details
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Select Standard	3.84% Variable	$330	Select Standard	4.03%	$15		More details
Select Standard	3.64% Fixed - 3 years	$330	Select Standard	4.06%	$15		More details
Select Line of Credit	3.84% Variable	$330	Select Line of Credit	4.06%	$15		More details
Select Standard	3.59% Fixed - 2 years	$330	Select Standard	4.07%	$15		More details
Select Basic Variable	4.09% Variable	$330	Select Basic Variable	4.10%	$0		More details
Select Standard	3.64% Fixed - 1 year	$330	Select Standard	4.11%	$15		More details
Select Standard	3.94% Fixed - 5 years	$330	Select Standard	4.13%	$15		More details
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Select Standard	3.94% Fixed - 4 years	$330	Select Standard	4.13%	$15		More details
Select Line of Credit	3.94% Variable	$330	Select Line of Credit	4.15%	$15		More details
Select Standard	4.09% Variable	$330	Select Standard	4.28%	$15		More details
Select Line of Credit	4.24% Variable	$330	Select Line of Credit	4.45%	$15		More details
Activate Prime Full Doc	4.26% Variable	$330	Activate Prime Full Doc	4.49%	$0		More details
Select Line of Credit	4.34% Variable	$330	Select Line of Credit	4.55%	$15		More details
Activate Prime Full Doc	4.59% Variable	$330	Activate Prime Full Doc	4.95%	$0		More details
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Data last updated on 28 Feb 2020

Read our important disclosures and general advice warning

Pros

Extensive branch access.
Competitive rates.
Interest rates vary by loan size and type.

Cons

Limited repayment options on most loans.
Some fees apply.

Aussie customer service

Aussie has dedicated phone lines for home loans, personal loans, insurance and credit cards. Customers can also meet with a mortgage broker at one of the Aussie retail stores throughout Australia or via appointment with a mobile broker. Customers can also contact Aussie through their website and by email.

Customer service centre (phone, email, branch)
Mobile app
Online banking
Live Chat
Mobile banking staff

How to Apply

Aussie allows customers to apply for a home loan by phone or by booking a free appointment via their website, or in person at an Aussie retail store. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. To apply for a loan, you will need to supply documentation, which will include:

Personal identification.
Evidence of income or earnings.
Information on your family situation.
Information regarding your current debts, liabilities and assets.

About Aussie home loans

Aussie offers a wide range of home loans to suit a range of customers, including:

First home buyers
Investors
Refinancers
Upgraders
Renovators
Self-employed customers (low-doc loans)

In terms of interest rates and repayments, Aussie home loans borrowers can choose from a number of options:

Fixed-rate home loans
Variable-rate home loans
Split home loans
Interest-only loans
Principal-and-interest loans

Aussie home loans have a maximum loan term of 30 years. Unlimited extra repayments are allowed in addition to the minimum repayments. Redraw facilities are also available and offset accounts are offered on some of Aussie’s home loan products.

Aussie’s own home loan rates typically range from very low to moderately low and fees tend to be very low to moderate. However, because Aussie offers home loans from other lenders, interest rates and fees may vary.

Aussie home loan rates differ depending on the type of home loan and whether the loan is made by Aussie or brokered with another lender. Generally speaking, though, Aussie home loan rates tend to be very low to moderate.

Because Aussie is a lender as well as a broker, it offers hundreds of home loans and interest rates to suit a diverse variety of customers.

Typically, customers wanting to borrow money to buy a home to live in (owner-occupier home loans) will be able to secure a lower interest rate than those wanting to borrow money to invest in property (investor home loans).

Similarly, Aussie borrowers who choose a variable interest rate on their home loan will usually get a lower interest rate (at least initially) than those who choose a fixed-rate home loan.

Aussie home loans review

Aussie provides home loans to borrowers all over Australia, whether directly from its retail stores or via mobile mortgage brokers.

As well as offering its own home loans, Aussie works with lenders all over Australia – including the big four banks – so it provides a wide variety of choice and flexibility in selecting a home loan to suit different needs.

Aussie provides home loans suited to the basic borrower, such as standard owner-occupier home loans, as well as specialist home loans including low-doc home loans and bridging loans.

Depending on the type of loan, Aussie home loans also come with other potentially useful features such as offset accounts, redraw facilities and the ability to make extra repayments.

While Aussie’s own interest rates are typically very low to moderately low, and fees tend to be very low to moderate, rates and fees can differ according to what’s negotiated by the Aussie broker.

Today's Top Home Loan Products

Rate Chaser Ezy Prime (New Customer)

Real Time Rating™

4.52 / 5

Advertised Rate

Comparison Rate*

2.89%

Variable

2.94%

No ongoing fees
100% full offset account
Parents can sign as guarantor
Extra repayments + redraw services

Enquire Now

Advantage Home Loan (LVR < 90%) (PAYG - Essentials)

Real Time Rating™

4.25 / 5

Advertised Rate

Comparison Rate*

3.04%

Variable

3.21%

100% full offset account
Extra repayments + redraw services
Free redraw facility
Repayments may decrease if RBA cuts rates

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Rate Lovers Variable Home Loan (Principal and Interest) (LVR 70%-80%)

Real Time Rating™

4.42 / 5

Advertised Rate

Comparison Rate*

2.77%

Variable

2.79%

No upfront or ongoing fees
Extra repayments + redraw services
Free redraw facility
Repayments may decrease if RBA cuts rates

Enquire Now

Discount Offer Variable Home Loan OO P&I ($200k+)

Real Time Rating™

4.36 / 5

Advertised Rate

Comparison Rate*

2.84%

Variable

2.84%

special

$0 application fee

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FAQs

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The Rate Guarantee is RateCity putting its money where its mouth is. We believe that too many Australians are paying too much for their home loans. We’re so confident we can help Aussies save money, if we can’t beat your current rate, we’ll give you a $100 gift card.*

There are three reasons it pays to check your rate with the RateCity Rate Guarantee:

You can find out how much you could save on your home loan by switching to a loan with a lower interest rate
If we can’t beat your current rate, you can claim a $100 gift card with our Rate Guarantee*
Everyone who checks their home loan will be entered in the draw for a chance to win $1 million!^

Details

Compare Aussie home loan rates

Discount Variable Home Loan

Aussie home loan repayment calculator

Aussie home loans rates

Aussie customer service

How to Apply

About Aussie home loans