Auswide Bank Home Loan Plus (Freedom Package)
This product is available in different versions. Pick the right version for you here.
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $3,500,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $3,500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $100,000 and $3,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $3,500,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $3,500,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $3,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $3,500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $100,000 and $3,500,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $100,000 | $3,500,000 |
| | Investor | Principal & Interest | < 90% | $100,000 | $3,500,000 |
| | Investor | Interest Only | < 80% | $100,000 | $3,500,000 |
| | Owner Occupier | Principal & Interest | < 90% | $100,000 | $3,500,000 |
| | Owner Occupier | Principal & Interest | 90%-95% | $100,000 | $3,500,000 |
| | Owner Occupier | Interest Only | < 80% | $100,000 | $3,500,000 |
| | Investor | Principal & Interest | < 90% | $100,000 | $3,500,000 |
| | Investor | Interest Only | < 90% | $100,000 | $3,500,000 |
-
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $100,000 $3,500,000
-
Investor (Principal & Interest)
LVR < 90%
Loan: $100,000 $3,500,000
-
Investor (Interest Only)
LVR < 80%
Loan: $100,000 $3,500,000
-
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $100,000 $3,500,000
-
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $100,000 $3,500,000
-
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000 $3,500,000
-
Investor (Principal & Interest)
LVR < 90%
Loan: $100,000 $3,500,000
-
Investor (Interest Only)
LVR < 90%
Loan: $100,000 $3,500,000
3.09% p.a.
3.50% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.09% p.a.
3.50% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.09% p.a.
3.50% p.a.
$395.00 yearly
3.59% p.a.
4.00% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.59% p.a.
4.00% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.59% p.a.
4.00% p.a.
$395.00 yearly
3.46% p.a.
3.87% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.46% p.a.
3.87% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.46% p.a.
3.87% p.a.
$395.00 yearly
3.81% p.a.
4.22% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.81% p.a.
4.22% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.81% p.a.
4.22% p.a.
$395.00 yearly
3.96% p.a.
4.36% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.96% p.a.
4.36% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
3.96% p.a.
4.36% p.a.
$395.00 yearly
4.33% p.a.
4.72% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
4.33% p.a.
4.72% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
4.33% p.a.
4.72% p.a.
$395.00 yearly
4.41% p.a.
4.80% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
4.41% p.a.
4.80% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
4.41% p.a.
4.80% p.a.
$395.00 yearly
4.93% p.a.
5.31% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
4.93% p.a.
5.31% p.a.
$395.00 yearly
Auswide Bank Home Loan Plus (Freedom Package)
4.93% p.a.
5.31% p.a.
$395.00 yearly
Mozo Review Auswide Bank Home Loan Plus (Freedom Package) Review
Last updated: 25 October 2019.
What's hot:
Range of package benefits, including insurance discounts and fee waivers
Free redraw facility, offset account, and extra repayments
Owner occupiers can borrow up to 95% LVR
2019 Mozo Experts Choice Award
What's not:
$395 annual fee
Mozo snapshot:
Buying a home can be a trying time, that’s why 2019 Mozo Experts Choice Award winner Auswide Bank has pulled out all the stops to make sure you have all the help you need. The Home Loan Plus with Freedom Package offers a range of benefits, such as insurance discounts and fee waivers, yet manages to retain a quality variable rate of 3.09% p.a. (3.50% p.a. comparison rate*).
Key features:
The Home Loan Plus with Freedom Package is filled to the brim with features designed to make your home loan journey simple and stress-free. The variable rate starts at a competitive 3.09% p.a. (3.50% p.a. comparison rate*) for owner occupiers taking out loans of up to $3,500,000 with a maximum LVR of 90%. There’s also an option to borrow up to 95% of the property’s value, but this means a steeper interest rate.
A 100% offset account is available, which should go a long way towards helping you save on interest. Repayments can be made weekly, fortnightly or monthly, and if you opt to make extra repayments you won’t face any extra fees or penalties. The free redraw facility also means you’ll be able to get those funds back if you really need them. Plus if life throws you a curveball you’ll have the option to take a repayment holiday to ease the stress.
You’ll also enjoy an array of benefits as part of the package. Just let Auswide Bank know you’re a Freedom Package customer and you can receive:
- Savings on Home Building, Home Contents, and Car Insurance
- No fees for Mortgage Offset, Everyday Access, and Visa Debit Accounts
- No establishment fee for personal loans
- Complimentary financial health checks
And while all these features might sound appealing they don’t come free. You’ll have to budget for the $395 annual fee, plus the $350 discharge fee down the track.
Who it's good for:
This offering from Auswide Bank would suit anyone after a package deal with all the bells and whistles, minus the sky-high rates and fees.
Any catches?
Although the low rate option comes with an LVR of up to 90%, you’ll have to spring for Lenders Mortgage Insurance.
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.09% p.a.
-
n/a
-
n/a
-
n/a
-
3.50% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
none
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
yes
-
none
-
none
-
none
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.59% p.a.
-
n/a
-
n/a
-
n/a
-
4.00% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
none
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
yes
-
none
-
none
-
none
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.46% p.a.
-
n/a
-
n/a
-
n/a
-
3.87% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
none
-
80.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
yes
-
none
-
none
-
none
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.81% p.a.
-
n/a
-
n/a
-
n/a
-
4.22% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
none
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
yes
-
none
-
none
-
none
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.96% p.a.
-
n/a
-
n/a
-
n/a
-
4.36% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
90.00%
-
95.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
yes
-
none
-
none
-
none
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
4.33% p.a.
-
n/a
-
n/a
-
n/a
-
4.72% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
none
-
80.00%
Features
-
Owner Occupier
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
yes
-
none
-
none
-
none
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
4.41% p.a.
-
n/a
-
n/a
-
n/a
-
4.80% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
none
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
yes
-
none
-
none
-
none
Details
Rates and fees information correct as at 15 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
4.93% p.a.
-
n/a
-
n/a
-
n/a
-
5.31% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$395.00 yearly
-
$350.00
Other financial bits
-
$100,000
-
$3,500,000
-
none
-
90.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
no
-
no
-
none
-
none
-
none
Customer Reviews
How are Auswide Bank home loans rated by the Mozo community?
Latest reviews of Auswide Bank Home Loan Plus (Freedom Package)
- Overall9/10
Great customer satisfaction
Friendly staff who are only too willing to help in any way you may need, call into office,...
Read full review
Friendly staff who are only too willing to help in any way you may need, call into office, phone, or e-mail. I couldn't be happier.
Price8/10Features4/10Customer service9/10Convenience8/10Trust9/10Less
Robin | Queensland
reviewed over 4 years ago
- Overall9/10
I pay my loan only online
They are always helpful.
Read full review
They are always helpful.
Price9/10Features8/10Customer service10/10Convenience9/10Trust9/10Less
Donna | Queensland
reviewed about 6 years ago
- Overall10/10
Fantastic quick service
We have been with WideBay for over five years and have been exceptionally happy with every aspect...
Read full review
We have been with WideBay for over five years and have been exceptionally happy with every aspect of the service and products.
Price9/10Features8/10Customer service10/10Convenience9/10Trust10/10Less
Mike | New South Wales
reviewed over 6 years ago
- Overall9/10
Part of my family.
I have been with WideBay Australia for 12 years. In that time I have had 3 home loans. They are...
Read full review
I have been with WideBay Australia for 12 years. In that time I have had 3 home loans. They are like part of the family.
Price8/10Features8/10Customer service9/10Convenience9/10Trust9/10Less
Christine | Queensland
reviewed over 7 years ago
- Overall10/10
great customer services
they are great, they work with you and keep you up to date with your daily banking needs
Read full review
they are great, they work with you and keep you up to date with your daily banking needs
Price10/10Features10/10Customer service10/10Convenience8/10Trust10/10Less
Marianne | Queensland
reviewed over 7 years ago
About Auswide Bank
No matter where you live in Australia, Auswide Bank is committed to delivering great products backed by exceptional service. Operating for nearly 50 years and formerly known as Wide Bay Australia, they offer competitive pricing and fully featured home and personal loans, credit cards, term deposits and savings accounts including access to an Australian-wide ATM network.
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