Auswide Bank home loan repayment calculator

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

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated repayments

at interest rate 2.39 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

  • Can accommodate people with smaller deposits.
  • Opportunity to bundle financial products together.
  • Offers discounts on the interest rate.
  • Flexible repayment schedule with weekly, fortnightly and monthly repayment options.
  • Limited home loan products to choose from.
  • Some products have moderate to high fees.

Auswide Bank home loans rates

Product
Advertised Rate
Total estimated upfront fees
Comparison Rate*
Ongoing fee
Go to site
Company

2.39%

Variable

$0

2.41%

$395 annually
Auswide Bank
More details

2.74%

Variable

$300

2.76%

$0
Auswide Bank
More details

2.99%

Variable

$300

3.01%

$0
Auswide Bank
More details

3.19%

Variable

$300

3.21%

$0
Auswide Bank
More details

2.99%

Variable

$0

3.40%

$395 annually
Auswide Bank
More details

3.24%

Variable

$0

3.64%

$395 annually
Auswide Bank
More details

2.49%

Fixed - 3 years

$604

3.69%

$395 annually
Auswide Bank
More details

2.99%

Fixed - 4 years

$604

3.70%

$395 annually
Auswide Bank
More details

2.99%

Fixed - 5 years

$604

3.73%

$395 annually
Auswide Bank
More details

2.69%

Fixed - 3 years

$604

3.74%

$395 annually
Auswide Bank
More details

2.49%

Fixed - 2 years

$604

3.77%

$395 annually
Auswide Bank
More details

2.69%

Fixed - 2 years

$604

3.80%

$395 annually
Auswide Bank
More details

3.44%

Variable

$0

3.84%

$395 annually
Auswide Bank
More details

2.49%

Fixed - 1 year

$604

3.86%

$395 annually
Auswide Bank
More details

2.69%

Fixed - 1 year

$604

3.88%

$395 annually
Auswide Bank
More details

3.56%

Variable

$0

3.96%

$395 annually
Auswide Bank
More details

3.29%

Fixed - 3 years

$604

4.00%

$395 annually
Auswide Bank
More details

3.29%

Fixed - 2 years

$604

4.03%

$395 annually
Auswide Bank
More details

3.29%

Fixed - 1 year

$604

4.06%

$395 annually
Auswide Bank
More details

3.59%

Fixed - 5 years

$604

4.09%

$395 annually
Auswide Bank
More details

3.59%

Fixed - 4 years

$604

4.10%

$395 annually
Auswide Bank
More details

3.71%

Variable

$0

4.10%

$395 annually
Auswide Bank
More details

2.59%

Fixed - 3 years

$0

4.17%

$395 annually
Auswide Bank
More details

3.09%

Fixed - 5 years

$600

4.25%

$10 monthly
Auswide Bank
More details

3.29%

Fixed - 3 years

$0

4.26%

$395 annually
Auswide Bank
More details

2.59%

Fixed - 2 years

$0

4.30%

$395 annually
Auswide Bank
More details

3.49%

Fixed - 5 years

$0

4.30%

$395 annually
Auswide Bank
More details

3.69%

Fixed - 5 years

$0

4.31%

$395 annually
Auswide Bank
More details

3.29%

Fixed - 2 years

$0

4.32%

$395 annually
Auswide Bank
More details

3.69%

Fixed - 4 years

$0

4.33%

$395 annually
Auswide Bank
More details

3.49%

Fixed - 4 years

$0

4.35%

$395 annually
Auswide Bank
More details

3.09%

Fixed - 4 years

$600

4.37%

$10 monthly
Auswide Bank
More details

3.29%

Fixed - 1 year

$0

4.39%

$395 annually
Auswide Bank
More details

3.49%

Fixed - 3 years

$0

4.40%

$395 annually
Auswide Bank
More details

2.79%

Fixed - 3 years

$600

4.42%

$10 monthly
Auswide Bank
More details

2.59%

Fixed - 1 year

$0

4.44%

$395 annually
Auswide Bank
More details

3.39%

Fixed - 2 years

$0

4.44%

$395 annually
Auswide Bank
More details

4.08%

Variable

$0

4.46%

$395 annually
Auswide Bank
More details

3.69%

Fixed - 5 years

$600

4.49%

$10 monthly
Auswide Bank
More details

3.39%

Fixed - 1 year

$0

4.51%

$395 annually
Auswide Bank
More details

3.39%

Fixed - 3 years

$600

4.57%

$10 monthly
Auswide Bank
More details

3.69%

Fixed - 4 years

$600

4.57%

$10 monthly
Auswide Bank
More details

2.79%

Fixed - 2 years

$600

4.58%

$10 monthly
Auswide Bank
More details

2.79%

Fixed - 3 years

$0

4.59%

$395 annually
Auswide Bank
More details

4.21%

Variable

$0

4.59%

$395 annually
Auswide Bank
More details

3.79%

Fixed - 5 years

$600

4.66%

$10 monthly
Auswide Bank
More details

3.39%

Fixed - 2 years

$600

4.69%

$10 monthly
Auswide Bank
More details

3.79%

Fixed - 5 years

$0

4.72%

$395 annually
Auswide Bank
More details

3.39%

Fixed - 3 years

$600

4.73%

$10 monthly
Auswide Bank
More details

2.79%

Fixed - 2 years

$0

4.75%

$395 annually
Auswide Bank
More details

3.79%

Fixed - 4 years

$600

4.75%

$10 monthly
Auswide Bank
More details

2.79%

Fixed - 1 year

$600

4.76%

$10 monthly
Auswide Bank
More details

3.79%

Fixed - 4 years

$0

4.78%

$395 annually
Auswide Bank
More details

3.39%

Fixed - 1 year

$600

4.81%

$10 monthly
Auswide Bank
More details

3.79%

Fixed - 3 years

$0

4.85%

$395 annually
Auswide Bank
More details

3.39%

Fixed - 2 years

$600

4.87%

$10 monthly
Auswide Bank
More details

3.69%

Fixed - 2 years

$0

4.91%

$395 annually
Auswide Bank
More details

2.79%

Fixed - 1 year

$0

4.92%

$395 annually
Auswide Bank
More details

4.79%

Variable

$600

4.95%

$10 monthly
Auswide Bank
More details

3.69%

Fixed - 1 year

$0

5.00%

$395 annually
Auswide Bank
More details

3.39%

Fixed - 1 year

$600

5.01%

$10 monthly
Auswide Bank
More details

4.69%

Variable

$0

5.09%

$395 annually
Auswide Bank
More details

4.73%

Variable

$0

5.10%

$395 annually
Auswide Bank
More details

4.09%

Fixed - 5 years

$600

5.13%

$10 monthly
Auswide Bank
More details

5.01%

Variable

$600

5.17%

$10 monthly
Auswide Bank
More details

4.09%

Fixed - 4 years

$600

5.24%

$10 monthly
Auswide Bank
More details

4.39%

Fixed - 5 years

$600

5.25%

$10 monthly
Auswide Bank
More details

4.39%

Fixed - 4 years

$600

5.34%

$10 monthly
Auswide Bank
More details

4.09%

Fixed - 3 years

$600

5.35%

$10 monthly
Auswide Bank
More details

4.39%

Fixed - 3 years

$600

5.44%

$10 monthly
Auswide Bank
More details

3.99%

Fixed - 2 years

$600

5.46%

$10 monthly
Auswide Bank
More details

5.21%

Variable

$0

5.60%

$395 annually
Auswide Bank
More details

3.99%

Fixed - 1 year

$600

5.61%

$10 monthly
Auswide Bank
More details

4.29%

Fixed - 2 years

$600

5.62%

$10 monthly
Auswide Bank
More details

4.29%

Fixed - 1 year

$600

5.64%

$10 monthly
Auswide Bank
More details

5.51%

Variable

$600

5.67%

$10 monthly
Auswide Bank
More details

5.62%

Variable

$600

5.77%

$10 monthly
Auswide Bank
More details

5.84%

Variable

$600

5.99%

$10 monthly
Auswide Bank
More details

6.03%

Variable

$600

6.19%

$10 monthly
Auswide Bank
More details

Auswide Bank customer service

Auswide Bank has a nationwide lending presence supported through branches, a network of lending consultants and the company website. If Auswide Bank home loan customers can’t go into a branch they can get in touch via telephone, or use internet-based services such as email, online banking and the mobile app. Customers can also contact Auswide Bank staff online via the website’s live chat facility.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Branch
  • Mobile banking staff

How to Apply

There are two ways to apply for an Auswide Bank home loan: in person by visiting an Auswide Bank branch or via the company’s website. Before submitting a loan application borrowers should fully consider their budget. They can use helpful tools such as a repayment calculator to receive an indication of how much a home loan is likely to cost. To support all home loan applications Auswide Bank requires a range of documentation that includes:

  • Proof of identification.
  • Occupation and/or employer details.
  • Gross monthly income from all sources.
  • Asset details (a list of what you own, such as property, motor vehicles, shares, furniture, superannuation, and their values).
  • Existing loans (home loans, personal loans, leasing contracts, hire purchase).
  • Credit card limits and current balances.
  • Savings account details.
  • Details of the property you are offering as security for the loan.

Learn more about Auswide Bank

What is an ombudsman?

An complaints officer – previously referred to as an ombudsman -looks at formal complaints from customers about their credit providers, and helps to find a fair and independent solution to these problems.

These services are handled by the Australian Financial Complaints Authority, a non-profit government organisation that addresses and resolves financial disputes between customers and financial service providers.

What is the amortisation period?

Popularly known as the loan term, the amortisation period is the time over which the borrower must pay back both the loan’s principal and interest. It is usually determined during the application approval process.

Mortgage Calculator, Repayment Frequency

How often you wish to pay back your lender. 

What is bridging finance?

A loan of shorter duration taken to buy a new property before a borrower sells an existing property, usually taken to cover the financial gap that occurs while buying a new property without first selling an older one.

Usually, these loans have higher interest rates and a shorter repayment duration.

Mortgage Calculator, Repayment Type

Will you pay off the amount you borrowed + interest or just the interest for a period?

What is appreciation or depreciation of property?

The increase or decrease in the value of a property due to factors including inflation, demand and political stability.

Savings over

Select a number of years to see how much money you can save with different home loans over time.

e.g. To see how much you could save in two years by switching mortgages,  set the slider to 2.

How can I get a home loan with no deposit?

Following the Global Financial Crisis, no-deposit loans, as they once used to be known, have largely been removed from the market. Now, if you wish to enter the market with no deposit, you will require a property of your own to secure a loan against or the assistance of a guarantor.

Does each product always have the same rating?

No, the rating you see depends on a number of factors and can change as you tell us more about your loan profile and preferences. The reasons you may see a different rating:

  • Lenders have made changes. Our ratings show the relative competitiveness of all the products listed at a given time. As the listing change, so do the ratings.
  • You have updated you profile. If you increase your loan amount, the impact of different rates and fees will change which loans are the lowest cost for you.
  • You adjust your preferences. The more you search for flexible loan features, the more importance we assign to the Flexibility Score. You can also adjust your Flexibility Weighting yourself, which will recalculate the ratings with preference given to more flexible loans.

What is a valuation and valuation fee?

A valuation is an assessment of what your home is worth, calculated by a professional valuer. A valuation report is typically required whenever a property is bought, sold or refinanced. The valuation fee is paid to cover the cost of preparing a valuation report.

Mortgage Calculator, Repayments

The money you pay back to your lender at regular intervals. 

How personalised is my rating?

Real Time Ratings produces instant scores for loan products and updates them based what you tell us about what you’re looking for in a loan. In that sense, we believe the ratings are as close as you get to personalised; the more you tell us, the more we customise to ratings to your needs. Some borrowers value flexibility, while others want the lowest cost loan. Your preferences will be reflected in the rating. 

We also take a shorter term, more realistic view of how long borrowers hold onto their loan, which gives you a better idea about the true borrowing costs. We take your loan details and calculate how much each of the relevent loans would cost you on average each month over the next five years. We assess the overall flexibility of each loan and give you an easy indication of which ones are likely to adjust to your needs over time. 

Monthly Repayment

Your current monthly home loan repayment. To accurately calculate how much you could save, an accurate payment figure is required. If you are not certain, check your bank statement.

How will Real Time Ratings help me find a new home loan?

The home loan market is complex. With almost 4,000 different loans on offer, it’s becoming increasingly difficult to work out which loans work for you.

That’s where Real Time RatingsTM can help. Our system automatically filters out loans that don’t fit your requirements and ranks the remaining loans based on your individual loan requirements and preferences.

Best of all, the ratings are calculated in real time so you know you’re getting the most current information.

Remaining loan term

The length of time it will take to pay off your current home loan, based on the currently-entered mortgage balance, monthly repayment and interest rate.