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Auswide Bank Home Loan Plus (Freedom Package)

Advertiser disclosure

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 75%

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 principal & interest loan between $100,000 and $3,500,000 with an LVR below 75%

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%

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 75%

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

  • Owner Occupier (Principal & Interest)

    LVR 75%-90%

    Loan: $100,000 $3,500,000

  • Owner Occupier (Principal & Interest)

    LVR < 75%

    Loan: $100,000 $3,500,000

  • Investor (Principal & Interest)

    LVR 75%-90%

    Loan: $100,000 $3,500,000

  • Investor (Principal & Interest)

    LVR < 75%

    Loan: $100,000 $3,500,000

  • Investor (Interest Only)

    LVR 75%-90%

    Loan: $100,000 $3,500,000

  • Investor (Interest Only)

    LVR < 75%

    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

Rate
2.59% p.a.
Comparison Rate
3.01% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
2.29% p.a.
Comparison Rate
2.72% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
2.79% p.a.
Comparison Rate
3.26% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
2.49% p.a.
Comparison Rate
2.97% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
2.89% p.a.
Comparison Rate
3.36% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
2.59% p.a.
Comparison Rate
3.06% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
3.56% p.a.
Comparison Rate
4.01% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
3.81% p.a.
Comparison Rate
4.25% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
4.08% p.a.
Comparison Rate
4.52% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
4.21% p.a.
Comparison Rate
4.65% p.a.
Service fee
$395.00 yearly
Upfront fee
$603
Rate
4.73% p.a.
Comparison Rate
5.16% p.a.
Service fee
$395.00 yearly
Upfront fee
$603

Mozo editorial review Auswide Bank Home Loan Plus (Freedom Package) - last updated: 3 November 2021

binocular icon
What's hot
  • Offset account, extra repayments and redraw facility
  • Owner occupiers can borrow up to 90% LVR
  • Package benefits including insurance discounts and fee waivers
What's not
  • $395 annual fee
Mozo snapshot

Auswide Bank has pulled out all the stops with their Home Loan Plus (Freedom Package) offer, including a range of package benefits and account features, plus a range of relatively competitive variable rates starting from 2.29% (2.72% comparison rate*).

key icon
Key features

The Home Loan Plus (Freedom Package) is available to both owner occupier and investor borrowers, with with variable rates starting at a competitive 2.29% (2.72% comparison rate*) for owner occupiers taking out loans of up to $3,500,000 with a maximum LVR of 75%. 

There’s also the option for owner occupiers to borrow up to 90% of the property’s value (so just a 10% deposit would be needed), however, bear in mind that this will come with a higher interest rate. 

A 100% offset account is available with the loan, which should go a long way towards helping you save on interest, plus free extra repayments can be made towards the loan to pay your balance down faster. There's also a redraw facility attached to the loan which will allow you to dip into those extra repayments you've made if you need to, and repayments can be made on a weekly, fortnightly or monthly basis.

You’ll also enjoy an array of package perks with the loan. Just let Auswide Bank know you’re a Freedom Package customer and you'll be able to receive:

  • Savings on Home Building, Home Contents, and Car insurances
  • No fees on Mortgage Offset, Everyday Access, and Visa Debit Accounts
  • No establishment fee on personal loans
  • Complimentary financial health checks

While all these features might sound appealing they don’t come free as there's a $395 annual fee with the loan. And while there are no upfront fees to worry about, there is a $350 discharge fee to consider down the track.

snapshot
Who is it good for

This Home Loan Plus (Freedom Package) from Auswide Bank could suit anyone after a package deal with all the bells and whistles, plus a competitive variable rate. 

question icon
Any catches

If you are thinking about going for one of the low deposit loan options with a loan-to-value ratio (LVR) of 80% or higher, just remember that you will likely be required to take out lenders mortgage insurance.

Details

Rates and fees information correct as at 9 December 2021. 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

2.59% p.a.

n/a

n/a

n/a

3.01% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$0.00

n/a

$395.00 yearly

$350.00
Other financial bits

$100,000

$3,500,000

75.00%

90.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. Eligible First Home Loan Deposit Scheme applicants can borrow up to 95% LVR. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

2.29% p.a.

n/a

n/a

n/a

2.72% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$0.00

n/a

$395.00 yearly

$350.00
Other financial bits

$100,000

$3,500,000

none

75.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. Eligible First Home Loan Deposit Scheme applicants can borrow up to 95% LVR. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

2.79% p.a.

n/a

n/a

n/a

3.26% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$0.00

n/a

$395.00 yearly

$350.00
Other financial bits

$100,000

$3,500,000

75.00%

90.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

2.49% p.a.

n/a

n/a

n/a

2.97% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$0.00

n/a

$395.00 yearly

$350.00
Other financial bits

$100,000

$3,500,000

none

75.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

2.89% p.a.

n/a

n/a

n/a

3.36% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$0.00

n/a

$395.00 yearly

$350.00
Other financial bits

$100,000

$3,500,000

75.00%

90.00%
Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

2.59% p.a.

n/a

n/a

n/a

3.06% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$0.00

n/a

$395.00 yearly

$350.00
Other financial bits

$100,000

$3,500,000

none

75.00%
Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

3.56% p.a.

n/a

n/a

n/a

4.01% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$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 - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. Eligible First Home Loan Deposit Scheme applicants can borrow up to 95% LVR. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

4.25% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$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 - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

4.08% p.a.

n/a

n/a

n/a

4.52% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$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 - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

4.21% p.a.

n/a

n/a

n/a

4.65% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$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 - free

$0.00

no

yes

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 9 December 2021. 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

4.73% p.a.

n/a

n/a

n/a

5.16% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$302.50

$300.00

$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 - free

$0.00

no

no

Transaction account must be held by the customer with Auswide Bank. $302.50 minimum legal fee payable at cost. $300 maximum valuation fee included in package fee.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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Latest reviews of Auswide Bank Home Loan Plus (Freedom Package)

About Auswide Bank

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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