Aussie Home Loan Rates

Aussie, previously known as Aussie Home Loans, is an Australian mortgage broker and lender, owned by 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 - 75 of 75 home loans

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Product	Advertised Rate	Total estimated upfront fees	Company	Comparison Rate*	Ongoing fee
Select Basic Fixed	2.21% Fixed - 3 years	$330	Select Basic Fixed	2.67%	$0	More details
Select Basic Fixed	2.21% Fixed - 2 years	$330	Select Basic Fixed	2.72%	$0	More details
Activate Prime Full Doc	2.69% Variable	$330	Activate Prime Full Doc	2.72%	$0	More details
Activate Prime Full Doc	2.69% Variable	$330	Activate Prime Full Doc	2.72%	$0	More details
Activate Prime Full Doc	2.69% Variable	$330	Activate Prime Full Doc	2.72%	$0	More details
Activate Prime Full Doc	2.69% Variable	$330	Activate Prime Full Doc	2.72%	$0	More details
Activate Prime Full Doc	2.69% Variable	$330	Activate Prime Full Doc	2.72%	$0	More details
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Select Basic Variable	2.74% Variable	$330	Select Basic Variable	2.76%	$0	More details
Select Basic Variable	2.80% Variable	$330	Select Basic Variable	2.82%	$0	More details
Select Basic Fixed	3.09% Fixed - 1 year	$330	Select Basic Fixed	2.84%	$0	More details
Select Standard	2.74% Variable	$330	Select Standard	2.95%	$15 monthly	More details
Select Basic Fixed	3.24% Fixed - 4 years	$330	Select Basic Fixed	2.96%	$0	More details
Select Standard	2.80% Variable	$330	Select Standard	3.01%	$15 monthly	More details
Select Basic Fixed	2.21% Fixed - 3 years	$330	Select Basic Fixed	3.15%	$0	More details
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Select Basic Variable	3.14% Variable	$330	Select Basic Variable	3.15%	$0	More details
Select Basic Variable	3.14% Variable	$330	Select Basic Variable	3.15%	$0	More details
Select Basic Fixed	2.21% Fixed - 2 years	$330	Select Basic Fixed	3.24%	$0	More details
Select Basic Variable	3.24% Variable	$330	Select Basic Variable	3.25%	$0	More details
Select Standard	2.21% Fixed - 3 years	$330	Select Standard	3.33%	$15 monthly	More details
Select Standard	3.14% Variable	$330	Select Standard	3.34%	$15 monthly	More details
Select Standard	3.14% Variable	$330	Select Standard	3.34%	$15 monthly	More details
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Select Basic Variable	3.34% Variable	$330	Select Basic Variable	3.35%	$0	More details
Select Basic Fixed	3.49% Fixed - 1 year	$330	Select Basic Fixed	3.37%	$0	More details
Select Basic Fixed	3.49% Fixed - 2 years	$330	Select Basic Fixed	3.38%	$0	More details
Select Basic Fixed	3.24% Fixed - 4 years	$330	Select Basic Fixed	3.39%	$0	More details
Select Basic Fixed	3.49% Fixed - 3 years	$330	Select Basic Fixed	3.39%	$0	More details
Select Basic Fixed	3.24% Fixed - 3 years	$330	Select Basic Fixed	3.40%	$0	More details
Select Basic Fixed	3.09% Fixed - 1 year	$330	Select Basic Fixed	3.42%	$0	More details
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Select Basic Fixed	3.24% Fixed - 2 years	$330	Select Basic Fixed	3.42%	$0	More details
Select Standard	2.21% Fixed - 2 years	$330	Select Standard	3.43%	$15 monthly	More details
Select Standard	3.24% Variable	$330	Select Standard	3.44%	$15 monthly	More details
Select Basic Fixed	3.59% Fixed - 4 years	$330	Select Basic Fixed	3.44%	$0	More details
Select Basic Fixed	3.39% Fixed - 1 year	$330	Select Basic Fixed	3.45%	$0	More details
Select Basic Variable	3.44% Variable	$330	Select Basic Variable	3.45%	$0	More details
Select Basic Variable	3.44% Variable	$330	Select Basic Variable	3.45%	$0	More details
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Select Basic Fixed	3.59% Fixed - 5 years	$330	Select Basic Fixed	3.45%	$0	More details
Select Basic Fixed	3.54% Fixed - 5 years	$330	Select Basic Fixed	3.49%	$0	More details
Select Basic Fixed	3.54% Fixed - 4 years	$330	Select Basic Fixed	3.49%	$0	More details
Select Basic Variable	3.49% Variable	$330	Select Basic Variable	3.50%	$0	More details
Activate Prime Full Doc	3.39% Variable	$330	Activate Prime Full Doc	3.51%	$0	More details
Select Standard	3.34% Variable	$330	Select Standard	3.54%	$15 monthly	More details
Select Standard	3.49% Fixed - 1 year	$330	Select Standard	3.55%	$15 monthly	More details
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Select Standard	3.24% Fixed - 5 years	$330	Select Standard	3.56%	$15 monthly	More details
Select Standard	3.24% Fixed - 4 years	$330	Select Standard	3.57%	$15 monthly	More details
Select Standard	3.49% Fixed - 2 years	$330	Select Standard	3.57%	$15 monthly	More details
Select Standard	3.49% Fixed - 3 years	$330	Select Standard	3.58%	$15 monthly	More details
Select Basic Fixed	3.24% Fixed - 3 years	$330	Select Basic Fixed	3.59%	$15 monthly	More details
Select Basic Fixed	3.24% Fixed - 2 years	$330	Select Basic Fixed	3.60%	$15 monthly	More details
Select Basic Variable	3.59% Variable	$330	Select Basic Variable	3.60%	$0	More details
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Select Standard	3.09% Fixed - 1 year	$330	Select Standard	3.61%	$15 monthly	More details
Select Standard	3.59% Fixed - 4 years	$330	Select Standard	3.62%	$15 monthly	More details
Select Basic Fixed	3.39% Fixed - 1 year	$330	Select Basic Fixed	3.64%	$15 monthly	More details
Select Standard	3.44% Variable	$330	Select Standard	3.64%	$15 monthly	More details
Select Standard	3.44% Variable	$330	Select Standard	3.64%	$15 monthly	More details
Select Standard	3.59% Fixed - 5 years	$330	Select Standard	3.64%	$15 monthly	More details
Select Standard	3.54% Fixed - 4 years	$330	Select Standard	3.67%	$15 monthly	More details
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Select Standard	3.54% Fixed - 5 years	$330	Select Standard	3.68%	$15 monthly	More details
Select Standard	3.49% Variable	$330	Select Standard	3.69%	$15 monthly	More details
Select Basic Fixed	3.34% Fixed - 3 years	$330	Select Basic Fixed	3.72%	$0	More details
Select Basic Fixed	3.29% Fixed - 2 years	$330	Select Basic Fixed	3.76%	$0	More details
Select Standard	3.59% Variable	$330	Select Standard	3.79%	$15 monthly	More details
Select Line of Credit	3.59% Variable	$330	Select Line of Credit	3.81%	$15 monthly	More details
Select Basic Fixed	3.74% Fixed - 5 years	$330	Select Basic Fixed	3.81%	$0	More details
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Select Basic Fixed	3.74% Fixed - 4 years	$330	Select Basic Fixed	3.82%	$0	More details
Select Basic Fixed	3.54% Fixed - 1 year	$330	Select Basic Fixed	3.83%	$0	More details
Select Basic Variable	3.84% Variable	$330	Select Basic Variable	3.85%	$0	More details
Select Standard	3.34% Fixed - 3 years	$330	Select Standard	3.91%	$15 monthly	More details
Select Line of Credit	3.69% Variable	$330	Select Line of Credit	3.91%	$15 monthly	More details
Select Standard	3.29% Fixed - 2 years	$330	Select Standard	3.94%	$15 monthly	More details
Select Standard	3.74% Fixed - 5 years	$330	Select Standard	3.99%	$15 monthly	More details
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Select Standard	3.74% Fixed - 4 years	$330	Select Standard	4.00%	$15 monthly	More details
Select Standard	3.54% Fixed - 1 year	$330	Select Standard	4.01%	$15 monthly	More details
Select Standard	3.84% Variable	$330	Select Standard	4.03%	$15 monthly	More details
Select Line of Credit	3.99% Variable	$330	Select Line of Credit	4.20%	$15 monthly	More details
Select Line of Credit	4.09% Variable	$330	Select Line of Credit	4.30%	$15 monthly	More details

Data last updated on 6 Jul 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

Customers can 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 by:

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

How to apply

Aussie allows customers to start the home loan application process 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’s important to look at how much you can afford to borrow and comfortably repay in your current financial situation.

To apply for an Aussie loan, you will need to supply documentation, such as:

Personal identification.
Proof of income and savings.
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 variety 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, including:

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 can also broker home loan deals through 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 can make many different home loans and interest rates available to suit a variety of customers.

Typically, customers wanting to borrow money to buy a homes to live in as owner occupiers will be able to secure lower interest rates than those wanting to borrow money to invest in property.

Aussie borrowers may also get to choose between a variable interest rate on their home loan that may rise or fall, and fixed-rate home loan with an interest rate that will stay the same for a limited number of years.

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 – to offer a choice of flexible home loans to suit different needs.

Aussie provides home loans suited to basic borrowers, 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 may offer other potentially useful features, such as offset accounts, redraw facilities and the ability to make extra repayments.

While Aussie offers competitive home loan interest rates and fees, these can vary according to what’s negotiated by the Aussie broker.

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