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Auswide Bank Home Loan Plus (Freedom Package)

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 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 80%

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 80%

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%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 75%

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

  • Owner Occupier (Principal & Interest)

    LVR 75%-90%

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

  • Investor (Principal & Interest)

    LVR < 80%

    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 < 80%

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

  • Investor (Interest Only)

    LVR < 80%

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

Rate
2.79% p.a.
Comparison Rate*
3.21% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
2.99% p.a.
Comparison Rate*
3.40% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.24% p.a.
Comparison Rate*
3.66% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.44% p.a.
Comparison Rate*
3.85% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.56% p.a.
Comparison Rate*
3.97% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.71% p.a.
Comparison Rate*
4.12% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.08% p.a.
Comparison Rate*
4.48% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.21% p.a.
Comparison Rate*
4.61% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.73% p.a.
Comparison Rate*
5.11% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review Auswide Bank Home Loan Plus (Freedom Package)

Last updated: 29 July 2020.

binocular icon
What's hot
  • 2020 Mozo Experts Choice Award
  • Free redraw facility, offset account, and extra repayments
  • Owner occupiers can borrow up to 95% LVR
  • Range of package benefits, including insurance discounts and fee waivers
What's not
  • $395 annual fee
Mozo snapshot

Buying a home can be a trying time, that’s why 2020 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 2.79% p.a. (3.40% p.a. comparison rate*).

key icon
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 2.79% p.a. (3.40% 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.

snapshot
Who is it 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.

snapshot
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 20 October 2020. 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

  • 3.21% 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

  • 75.00%

Features
  • 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.

Details

Rates and fees information correct as at 20 October 2020. 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
  • 2.99% 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

Fees
  • $0.00

  • $0.00

  • $0.00

  • $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

  • $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.

Details

Rates and fees information correct as at 20 October 2020. 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
  • 3.24% p.a.

  • n/a

  • n/a

  • n/a

  • 3.66% 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

  • 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.

Details

Rates and fees information correct as at 20 October 2020. 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
  • 3.44% p.a.

  • n/a

  • n/a

  • n/a

  • 3.85% 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

  • 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.

Details

Rates and fees information correct as at 20 October 2020. 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

  • 3.97% 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

  • 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.

Details

Rates and fees information correct as at 20 October 2020. 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
  • 3.71% 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

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

  • 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.

Details

Rates and fees information correct as at 20 October 2020. 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

  • 4.48% 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

  • 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.

Details

Rates and fees information correct as at 20 October 2020. 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

  • 4.61% 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

  • 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.

Details

Rates and fees information correct as at 20 October 2020. 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

  • 5.11% 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

  • 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.

Customer Reviews

How are Auswide Bank home loans rated by the Mozo community?

Overall
7.7/10
Price
6.6/10
Features
6.4/10
Customer service
8.1/10
Convenience
7.1/10
Trust
7.7/10

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

  • Overall 9/10
    Great customer satisfaction

    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 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.

    Price
    8/10
    Features
    4/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Robin, Queensland reviewed over 5 years ago
  • Overall 9/10
    I pay my loan only online

    They are always helpful.

    Read full review

    They are always helpful.

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Donna, Queensland reviewed almost 7 years ago
  • Overall 10/10
    Fantastic quick service

    We have been with WideBay for over five years and have been exceptionally happy with every aspect of the service and products.

    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.

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Mike, New South Wales reviewed over 7 years ago
  • Overall 9/10
    Part of my family.

    I have been with WideBay Australia for 12 years. In that time I have had 3 home loans. They are like part of the family.

    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.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Christine, Queensland reviewed over 8 years ago
  • Overall 10/10
    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

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Marianne, Queensland reviewed over 8 years ago
Auswide Bank

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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UHomeLoan - Discount Offer

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2.49% p.a.

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n/a

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$248.00 yearly

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$0.00

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$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

$0.00

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

$0.00

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

Promoted

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

$0.00

*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.