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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | 75%-90% | $100,000 | $3,500,000 |
| | Owner Occupier | Principal & Interest | < 75% | $100,000 | $3,500,000 |
| | Investor | Principal & Interest | 75%-90% | $100,000 | $3,500,000 |
| | Investor | Principal & Interest | < 75% | $100,000 | $3,500,000 |
| | Investor | Interest Only | 75%-90% | $100,000 | $3,500,000 |
| | Investor | Interest Only | < 75% | $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 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
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 2.69% (3.11% comparison rate*).
The Home Loan Plus (Freedom Package) is available to both owner occupier and investor borrowers, with with variable rates starting at a competitive 2.69% (3.11% 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 95% of the property’s value (so just a 5% deposit would be needed), however, bear in mind that this will come 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:
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.
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.
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.
2.99% p.a.
n/a
n/a
n/a
3.40% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
75.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$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.
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.
2.69% p.a.
n/a
n/a
n/a
3.11% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
none
75.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$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.
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.
3.19% p.a.
n/a
n/a
n/a
3.61% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
75.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
yes
Transaction account must be held by the customer with Auswide Bank.
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.
2.89% p.a.
n/a
n/a
n/a
3.32% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
none
75.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
yes
Transaction account must be held by the customer with Auswide Bank.
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.
3.29% p.a.
n/a
n/a
n/a
3.71% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
75.00%
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
yes
Transaction account must be held by the customer with Auswide Bank.
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.
2.99% p.a.
n/a
n/a
n/a
3.42% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
none
75.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
yes
Transaction account must be held by the customer with Auswide Bank.
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.
3.56% p.a.
n/a
n/a
n/a
3.97% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$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.
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.
3.71% p.a.
n/a
n/a
n/a
4.12% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
yes
Transaction account must be held by the customer with Auswide Bank.
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.
4.08% p.a.
n/a
n/a
n/a
4.48% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
yes
Transaction account must be held by the customer with Auswide Bank.
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.
4.21% p.a.
n/a
n/a
n/a
4.61% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
yes
Transaction account must be held by the customer with Auswide Bank.
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.
4.73% p.a.
n/a
n/a
n/a
5.11% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$100,000
$3,500,000
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
no
no
Transaction account must be held by the customer with Auswide Bank.
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.
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.
Read full reviewFriendly 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.
They are always helpful.
Read full reviewThey are always helpful.
We have been with WideBay for over five years and have been exceptionally happy with every aspect of the service and products.
Read full reviewWe have been with WideBay for over five years and have been exceptionally happy with every aspect of the service and products.
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.
Read full reviewI have been with WideBay Australia for 12 years. In that time I have had 3 home loans. They are like part of the family.
they are great, they work with you and keep you up to date with your daily banking needs
Read full reviewthey are great, they work with you and keep you up to date with your daily banking needs
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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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.
