Aussie was founded in 1992, and now has over 180 retail stores all around Australia. Ever since its inception, Aussie has been for the little guy, and aims to make owning your own home more affordable, by challenging the big banks on everything from home loan rates, to features, to customer service.
Whether you’re a first home buyer looking to break into the property market or a long-time investor shopping for your next project, make it happen with a competitive home loan from Aussie.
Rates and fees verified as correct at 19 September, 2018. Other information correct at the time of writing.
There are a range of fixed rate home loans on offer from Aussie, and choosing the one for you will depend, among other things, on whether you’re an owner occupier or investor, how you’d like to pay off your loan and your LVR. Loans are available from $100,000 up to $5,000,000 and you can have an LVR of up to 95% on certain offers. You’ll pay a monthly service fee on some options, and an upfront fee on others - on some options, you’ll pay both! So make sure you take advantage of the extra repayment feature - which is free up to 5% on fixed rate loans.
| Product | Fixed 3 year rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 4.39% p.a. | 4.28% p.a. | $0.00 | $363 | ||
| 4.09% p.a. | 3.95% p.a. | $0.00 | $363 | ||
| 4.39% p.a. | 4.42% p.a. | $0.00 | $363 | ||
| 4.29% p.a. | 4.29% p.a. | $0.00 | $363 | ||
| 4.29% p.a. | 4.10% p.a. | $0.00 | $363 | ||
| 3.99% p.a. | 3.84% p.a. | $0.00 | $363 | ||
| 4.89% p.a. | 4.89% p.a. | $0.00 | $363 | ||
| 4.59% p.a. | 4.59% p.a. | $0.00 | $363 | ||
| 4.49% p.a. | 4.63% p.a. | $0.00 | $363 | ||
| 4.29% p.a. | 4.15% p.a. | $0.00 | $363 | ||
| 4.39% p.a. | 4.47% p.a. | $198.00 yearly | $363 | ||
| 4.09% p.a. | 4.14% p.a. | $198.00 yearly | $363 | ||
| 4.29% p.a. | 4.48% p.a. | $198.00 yearly | $363 | ||
| 4.39% p.a. | 4.62% p.a. | $198.00 yearly | $363 | ||
| 4.29% p.a. | 4.30% p.a. | $198.00 yearly | $363 | ||
| 3.99% p.a. | 4.05% p.a. | $198.00 yearly | $363 | ||
| 4.89% p.a. | 5.07% p.a. | $198.00 yearly | $363 | ||
| 4.59% p.a. | 4.78% p.a. | $198.00 yearly | $363 | ||
| 4.49% p.a. | 4.82% p.a. | $198.00 yearly | $363 | ||
| 4.29% p.a. | 4.34% p.a. | $198.00 yearly | $363 | ||
| 4.09% p.a. | 4.05% p.a. | $0.00 | $330 | ||
| 4.29% p.a. | 3.88% p.a. | $0.00 | $330 | ||
| 4.09% p.a. | 3.83% p.a. | $0.00 | $330 | ||
| 4.39% p.a. | 4.61% p.a. | $0.00 | $330 | ||
| 4.29% p.a. | 4.40% p.a. | $0.00 | $330 | ||
| 4.39% p.a. | 4.78% p.a. | $15.00 monthly | $330 | ||
| 4.29% p.a. | 4.57% p.a. | $15.00 monthly | $330 | ||
| 4.29% p.a. | 4.39% p.a. | $15.00 monthly | $330 | ||
| 4.09% p.a. | 4.16% p.a. | $15.00 monthly | $330 |
There are a heap of variable rate home loans on offer from Aussie, so you’re sure to find something to fit your needs. Just like their fixed rate counterparts, Aussie variable rate home loans are available for amounts from $100,000 up to $5,000,000. Some come with a monthly service fee attached, others with an upfront fee - so make sure you know what charges you’re up for. You can also choose a repayment schedule to meet your needs (fortnightly or monthly) and make use of a bunch of great money saving features, like fee free extra repayments and a redraw facility.
| Product | Rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 4.84% p.a. | 4.87% p.a. | $0.00 | $363 | ||
| 4.54% p.a. | 4.57% p.a. | $0.00 | $363 | ||
| 4.24% p.a. | 4.27% p.a. | $0.00 | $363 | ||
| 3.85% p.a. | 3.88% p.a. | $0.00 | $363 | ||
| 4.64% p.a. | 4.67% p.a. | $0.00 | $363 | ||
| 4.05% p.a. | 4.08% p.a. | $0.00 | $363 | ||
| 4.39% p.a. | 4.42% p.a. | $0.00 | $363 | ||
| 4.24% p.a. | 4.27% p.a. | $0.00 | $363 | ||
| 3.99% p.a. | 4.02% p.a. | $0.00 | $363 | ||
| 3.75% p.a. | 3.78% p.a. | $0.00 | $363 | ||
| 4.25% p.a. | 4.28% p.a. | $0.00 | $363 | ||
| 4.84% p.a. | 5.06% p.a. | $198.00 yearly | $363 | ||
| 4.54% p.a. | 4.76% p.a. | $198.00 yearly | $363 | ||
| 4.19% p.a. | 4.42% p.a. | $198.00 yearly | $363 | ||
| 3.85% p.a. | 4.08% p.a. | $198.00 yearly | $363 | ||
| 4.64% p.a. | 4.86% p.a. | $198.00 yearly | $363 | ||
| 4.05% p.a. | 4.28% p.a. | $198.00 yearly | $363 | ||
| 4.39% p.a. | 4.62% p.a. | $198.00 yearly | $363 | ||
| 4.24% p.a. | 4.47% p.a. | $198.00 yearly | $363 | ||
| 3.99% p.a. | 4.22% p.a. | $198.00 yearly | $363 | ||
| 3.75% p.a. | 3.98% p.a. | $198.00 yearly | $363 | ||
| 4.25% p.a. | 4.48% p.a. | $198.00 yearly | $363 | ||
| 4.19% p.a. | 4.22% p.a. | $0.00 | $330 | ||
| 4.29% p.a. | 4.32% p.a. | $0.00 | $330 | ||
| 3.69% p.a. | 3.72% p.a. | $0.00 | $330 | ||
| 4.09% p.a. | 4.12% p.a. | $0.00 | $330 | ||
| 4.64% p.a. | 4.67% p.a. | $0.00 | $330 | ||
| 4.14% p.a. | 4.17% p.a. | $0.00 | $330 | ||
| 3.69% p.a. | 3.70% p.a. | $0.00 | $330 | ||
| 4.74% p.a. | 4.77% p.a. | $0.00 | $330 | ||
| 3.99% p.a. | 4.02% p.a. | $0.00 | $330 | ||
| 4.19% p.a. | 4.40% p.a. | $15.00 monthly | $330 | ||
| 4.29% p.a. | 4.50% p.a. | $15.00 monthly | $330 | ||
| 3.69% p.a. | 3.91% p.a. | $15.00 monthly | $330 | ||
| 4.09% p.a. | 4.30% p.a. | $15.00 monthly | $330 | ||
| 4.64% p.a. | 4.85% p.a. | $15.00 monthly | $330 | ||
| 4.14% p.a. | 4.35% p.a. | $15.00 monthly | $330 | ||
| 3.69% p.a. | 3.91% p.a. | $15.00 monthly | $330 | ||
| 4.74% p.a. | 4.95% p.a. | $15.00 monthly | $330 | ||
| 3.99% p.a. | 4.20% p.a. | $15.00 monthly | $330 |
If you already own a property, why not use the equity you’ve built up to fund your spending goals? With a line of credit home loan from Aussie, you can do just that on loans from $100,000 with an LVR of up to 90%. You'll be able to access your funds through a completely free redraw facility, although a minimum redraw of $100 does apply. Keep in mind that you’ll have both a monthly service and upfront fee to contend with on the Aussie line of credit home loan.
| Product | Rate | Comparison Rate* | Service fee | Upfront fee |
|---|---|---|---|---|
| 4.74% p.a. | n/a | $15.00 monthly | $330 | |
| 4.24% p.a. | n/a | $15.00 monthly | $330 | |
| 4.64% p.a. | n/a | $15.00 monthly | $330 | |
| 4.14% p.a. | n/a | $15.00 monthly | $330 |
‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.
| Extra repayments featureExtra repayments feature | Want to pay off your home loan quicker and save on interest? One of the most popular ways to do it is by making extra repayments, which is super easy with your Aussie home loan - although remember that with the fixed rate option, these repayments are capped at 5%. |
| Redraw facilityRedraw facility | If you go a bit overboard with your extra repayments and find yourself needing some of those funds back, make use of the free redraw facility available on variable rate Aussie home loans. |
| Easy accessEasy access | You can access details about your Aussie home loan and make repayments in a range of ways, including over the Internet, Phone, BPAY, ATM, or EFTPOS. Plus, direct debit or direct salary crediting options make staying on top of repayments a breeze. |
| A wide range of optionsA wide range of options | Investor? Owner-occupier? Big deposit or small, interest only or principal and interest - whatever kind of home loan you’ve got in mind, Aussie has an option to suit. |
Don’t take our word for it - before taking the plunge, check out what other customers have to say about their Aussie home loan by reading the reviews they’ve left.
* Overall rating based on reviews in the past 12 months.
I like banking with Aussie as they are always in touch to make sure you are happy. They also look into decreasing the interest rate all the time.
I like banking with Aussie as they are always in touch to make sure you are happy. They also look into decreasing the interest rate all the time.
Vicky (QLD), reviewed over 1 year ago
Would not recommend Aussie. Terrible customer service and products not as advertised. Now stuck in a home loan that is completely wrong for my circumstances, and more expensive than initially informed
Would not recommend Aussie. Terrible customer service and products not as advertised. Now stuck in a home loan that is completely wrong for my circumstances, and more expensive than initially informed
Kate (VIC), reviewed over 2 years ago
Sam (QLD), reviewed over 2 years ago
Kathy (QLD), reviewed over 2 years ago
Angela (WA), reviewed over 2 years ago
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Ready to get started and buy your own home with a loan from Aussie? To apply, you’ll need to either call or go online and book an appointment to speak to one of Aussie’s home loan specialists. Here’s a quick checklist of what info you’ll need when you apply:
