Aussie home loans

Aussie
Aussie's overall rating for home loans

(as rated by the Mozo community)

7.0 / 10

based on 52 reviews

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 07 December, 2016. Other information correct at the time of writing.

What home loans do Aussie offer?

Fixed Rate Home Loans Fixed Rate Home Loans

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.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.59% p.a.

4.55% p.a.

$0.00

$330

4.49% p.a.

4.30% p.a.

$0.00

$330

4.34% p.a.

4.37% p.a.

$0.00

$330

4.24% p.a.

4.23% p.a.

$0.00

$330

4.59% p.a.

4.74% p.a.

$198.00 yearly

$330

4.49% p.a.

4.50% p.a.

$198.00 yearly

$330

4.34% p.a.

4.56% p.a.

$198.00 yearly

$330

4.24% p.a.

4.43% p.a.

$198.00 yearly

$330

4.19% p.a.

4.34% p.a.

$0.00

$330

3.99% p.a.

4.22% p.a.

$0.00

$330

3.99% p.a.

3.95% p.a.

$0.00

$330

4.19% p.a.

4.52% p.a.

$15.00 monthly

$330

3.99% p.a.

4.39% p.a.

$15.00 monthly

$330


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Variable Rate Home Loans Variable Rate Home Loans

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.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.49% p.a.

4.71% p.a.

$198.00 yearly

$330

4.44% p.a.

4.66% p.a.

$198.00 yearly

$330

4.34% p.a.

4.56% p.a.

$198.00 yearly

$330

4.29% p.a.

4.52% p.a.

$198.00 yearly

$330

4.09% p.a.

4.32% p.a.

$198.00 yearly

$330

4.04% p.a.

4.27% p.a.

$198.00 yearly

$330

4.34% p.a.

4.56% p.a.

$198.00 yearly

$330

4.29% p.a.

4.52% p.a.

$198.00 yearly

$330

4.09% p.a.

4.32% p.a.

$198.00 yearly

$330

4.04% p.a.

4.27% p.a.

$198.00 yearly

$330

4.14% p.a.

4.37% p.a.

$198.00 yearly

$330

4.09% p.a.

4.32% p.a.

$198.00 yearly

$330

3.81% p.a.

4.04% p.a.

$198.00 yearly

$330

3.86% p.a.

4.09% p.a.

$198.00 yearly

$330

4.19% p.a.

4.42% p.a.

$198.00 yearly

$330

4.49% p.a.

4.52% p.a.

$0.00

$330

4.44% p.a.

4.47% p.a.

$0.00

$330

4.34% p.a.

4.37% p.a.

$0.00

$330

4.29% p.a.

4.32% p.a.

$0.00

$330

4.04% p.a.

4.07% p.a.

$0.00

$330

4.09% p.a.

4.12% p.a.

$0.00

$330

4.34% p.a.

4.37% p.a.

$0.00

$330

4.29% p.a.

4.32% p.a.

$0.00

$330

4.09% p.a.

4.12% p.a.

$0.00

$330

4.04% p.a.

4.07% p.a.

$0.00

$330

4.14% p.a.

4.17% p.a.

$0.00

$330

4.09% p.a.

4.12% p.a.

$0.00

$330

3.86% p.a.

3.89% p.a.

$0.00

$330

3.81% p.a.

3.84% p.a.

$0.00

$330

4.19% p.a.

4.22% p.a.

$0.00

$330

4.19% p.a.

4.22% p.a.

$0.00

$330

3.99% p.a.

4.02% p.a.

$0.00

$330

4.09% p.a.

4.12% p.a.

$0.00

$330

3.89% p.a.

3.92% p.a.

$0.00

$330

4.35% p.a.

4.38% p.a.

$0.00

$330

4.20% p.a.

4.23% p.a.

$0.00

$330

4.25% p.a.

4.28% p.a.

$0.00

$330

4.19% p.a.

4.40% p.a.

$15.00 monthly

$330

3.99% p.a.

4.20% p.a.

$15.00 monthly

$330

4.09% p.a.

4.30% p.a.

$15.00 monthly

$330

3.89% p.a.

4.10% p.a.

$15.00 monthly

$330

4.35% p.a.

4.56% p.a.

$15.00 monthly

$330

4.20% p.a.

4.41% p.a.

$15.00 monthly

$330

4.25% p.a.

4.46% p.a.

$15.00 monthly

$330


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Line of Credit Line of Credit

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

4.49% p.a.

n/a

$198.00 yearly

$330

4.44% p.a.

n/a

$198.00 yearly

$330

4.34% p.a.

n/a

$198.00 yearly

$330

4.29% p.a.

n/a

$198.00 yearly

$330

4.09% p.a.

n/a

$198.00 yearly

$330

4.04% p.a.

n/a

$198.00 yearly

$330

4.19% p.a.

n/a

$15.00 monthly

$330

3.99% p.a.

n/a

$15.00 monthly

$330

4.09% p.a.

n/a

$15.00 monthly

$330

3.89% p.a.

n/a

$15.00 monthly

$330

4.35% p.a.

n/a

$15.00 monthly

$330

4.25% p.a.

n/a

$15.00 monthly

$330

4.20% p.a.

n/a

$15.00 monthly

$330

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Aussie home loan features in a glance

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.

How are Aussie home loans rated?

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.

Aussie home loans

Overall 7.0*

Price

Features

Customer service

Convenience

Trust

51 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Aussie home loan reviews Recent Aussie home loan reviews

Aussie

Aussie home loan review

Overall rating   1 / 10

Don't bother

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

Full review

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

    Price   5 / 10

    Features   1 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Kate (VIC), reviewed 8 months ago

Aussie

Aussie Optimizer Fixed (Principal & Interest, Owner Occupier) home loan review

Overall rating   8 / 10

Best Bank

Great bank friendly service

Full review

Great bank friendly service

    Price   7 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   -1 / 10

Less

Sam (QLD), reviewed 9 months ago

Aussie

Aussie Select Standard Variable (LVR<80%, Owner Occupier) home loan review

Overall rating   10 / 10

Very good rates

Very good to work with

Full review

Very good to work with

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kathy (QLD), reviewed 10 months ago

Aussie

Aussie home loan review

Overall rating   10 / 10

Great rates

Great rates

Full review

Great rates

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Angela (WA), reviewed 10 months ago

Aussie

Aussie Optimizer Variable (LVR<80%, Principal & Interest, Owner Occupier) home loan review

Overall rating   10 / 10

Always helpful and friendly when talking on phone

I find their customer service people are a pleasure to deal with and their interest rates are better than a bank.

Full review

I find their customer service people are a pleasure to deal with and their interest rates are better than a bank.

    Price   9 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Karen (VIC), reviewed 10 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ 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.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Aussie home loan? What do you need to apply for a Aussie home loan?

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:

  • I.D., like a driver’s licence or passport
  • Details of your income - including what your salary is and recent payslips
  • Your savings - how much do you have to put toward your home loan already?
  • Financial commitments - debts, loans, or credit cards you’re already paying, with proof of regular payments.
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