Aussie home loan reviews

Aussie
Aussie's overall rating for home loans

(as rated by the Mozo community)

7.0 / 10

based on 52 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Aussie

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

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 11 months ago

Aussie

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

Overall rating   8 / 10

Best Bank

Great bank friendly service

Great bank friendly service

    Price   7 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   -1 / 10

Less

Sam (QLD), reviewed 12 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

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 about 1 year ago

Aussie

Aussie home loan review

Overall rating   10 / 10

Great rates

Great rates

Great rates

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Angela (WA), reviewed about 1 year 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.

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 about 1 year ago

Aussie

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

Overall rating   10 / 10

No fuss loans and service

Aussie are a great option for home loans, they do not bombard you with advertising, they keep you informed when needed and they are the first to lower their rates in line with the Reserve Bank.

Aussie are a great option for home loans, they do not bombard you with advertising, they keep you informed when needed and they are the first to lower their rates in line with the Reserve Bank.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Lisa (QLD), reviewed about 1 year ago

Aussie

Aussie home loan review

Overall rating   10 / 10

Great rates compared to others.

Excellent personal customer service.

Excellent personal customer service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Marc (VIC), reviewed about 1 year ago

Aussie

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

Overall rating   5 / 10

Happy with product

Happy with product

Happy with product

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Anna (VIC), reviewed about 1 year ago

Aussie

Aussie home loan review

Overall rating   -1 / 10

Great

    Price   -1 / 10

    Features   -1 / 10

    Customer service   -1 / 10

    Convenience   -1 / 10

    Trust   -1 / 10

Less

John (NSW), reviewed about 1 year ago

Aussie

Aussie home loan review

Overall rating   9 / 10

Fantastic customer service.

We had fantastic customer service from Aussie when setting up our first home loan. It was very overwhelming and they were with us every step of the way and always available in the store or by phone! The pricing was competitive - similar to most...

We had fantastic customer service from Aussie when setting up our first home loan. It was very overwhelming and they were with us every step of the way and always available in the store or by phone! The pricing was competitive - similar to most big banks. The product is easy to use and view online. We're happy we went with them!

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Emma (VIC), reviewed over 1 year ago

Aussie

Aussie home loan review

Overall rating   0 / 10

Terrible, lost my certificate of title!

During the refinancing process I rang Aussie to enquire about the delay. Was put through to their legal services provider and told my Certificate of Title and all other documentation has been LOST from their 'secure custody'! Now have to wait...

During the refinancing process I rang Aussie to enquire about the delay. Was put through to their legal services provider and told my Certificate of Title and all other documentation has been LOST from their 'secure custody'! Now have to wait weeks for it to be replaced, delaying the refinance process even further. This is after a series of other incompetent failings from Aussie. Incredibly poor.

    Price   2 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Debbie (VIC), reviewed over 1 year ago

Aussie

Aussie home loan review

Overall rating   0 / 10

Bad experience

I called to discuss why my interest rate is higher than the standard variable when I have been a customer for 20 years /home loan plus a previous investment property. I felt the agent couldn't care less because as he stated it was under $20,000....

I called to discuss why my interest rate is higher than the standard variable when I have been a customer for 20 years /home loan plus a previous investment property. I felt the agent couldn't care less because as he stated it was under $20,000. When I tried to discuss this he cut me off quite rudely. Very disappointed as the customer standard as always been high.

    Price   3 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   6 / 10

    Trust   1 / 10

Less

L inda (NSW), reviewed over 1 year ago

Aussie

Aussie home loan review

Overall rating   5 / 10

No nonsense loan

Loan rates reasonably good but there is no visible accessibility to know how you are going with your balance, apart from when you get a statement each 6 months.

Loan rates reasonably good but there is no visible accessibility to know how you are going with your balance, apart from when you get a statement each 6 months.

    Price   7 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   3 / 10

    Trust   5 / 10

Less

Jeanette (NSW), reviewed over 1 year ago

Aussie

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

Overall rating   0 / 10

Bad customer service

Bad customer service.

Bad customer service.

    Price   4 / 10

    Features   4 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Tom (VIC), reviewed over 1 year ago

Aussie

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

Overall rating   10 / 10

Highly highly recommend

Down to earth & they try very hard to identify with your issue.

Down to earth & they try very hard to identify with your issue.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Laurie (NSW), reviewed over 1 year ago

Aussie

Aussie Select Basic Fixed (LVR<80%, Owner Occupier) home loan review

Overall rating   0 / 10

Worst customer service I have experienced

Deceitful , untrustworthy !

Deceitful , untrustworthy !

    Price   4 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Gary (NSW), reviewed over 1 year ago

Aussie

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

Overall rating   8 / 10

Great loans

Great loans from them.

Great loans from them.

    Price   6 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   7 / 10

Less

Ethan (QLD), reviewed over 1 year ago

Aussie

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

Overall rating   8 / 10

This is good

Looks good.

Looks good.

    Price   8 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Sharon (NSW), reviewed over 1 year ago

Aussie

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

Overall rating   8 / 10

Good

Trying their best in a world of competitors.

Trying their best in a world of competitors.

    Price   8 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   3 / 10

    Trust   4 / 10

Less

Terry (NSW), reviewed over 1 year ago

Aussie

Aussie home loan review

Overall rating   9 / 10

I will use Aussie again

Personal customer service from my loan consultant and follow up is top notch.

Personal customer service from my loan consultant and follow up is top notch.

    Price   9 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Sonia (SA), reviewed over 1 year ago

Aussie

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

Overall rating   9 / 10

Best yet I have been on and great

I would strongly recommend this site, they are very trustworthy and truthful.

I would strongly recommend this site, they are very trustworthy and truthful.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Haylee (NSW), reviewed almost 2 years ago

Aussie

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

Overall rating   10 / 10

Excellent service, fantastic rates

Aussie was very helpful in explaining how we could save money on our mortgage and our investment property and how we could separate the two of them so each property was free standing financially, excellent service. Fitted in with our schedule and...

Aussie was very helpful in explaining how we could save money on our mortgage and our investment property and how we could separate the two of them so each property was free standing financially, excellent service. Fitted in with our schedule and easy to understand. Well done. We can feel safe in the knowledge that we made the right decision. Thank you Aussie.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Linda (QLD), reviewed almost 2 years ago

Aussie

Aussie Select Basic Fixed (LVR<80%, Owner Occupier) home loan review

Overall rating   0 / 10

Terrible bank

We went to Aussie to refinance and we did get cheaper with Aussie! The guy we dealt with was awesome, easy to deal with. The headquarters on the other hand have stuffed us around so much, not willing to help us and honestly seem to be scared to go...

We went to Aussie to refinance and we did get cheaper with Aussie! The guy we dealt with was awesome, easy to deal with. The headquarters on the other hand have stuffed us around so much, not willing to help us and honestly seem to be scared to go out their way to help, I honestly wish we didn't go to Aussie!

    Price   5 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Kirstie (VIC), reviewed almost 2 years ago

Aussie

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

Overall rating   9 / 10

Great service and easy to deal with

Very flexible and so easy to deal with. As a single female this very valuable and at ease.

Very flexible and so easy to deal with. As a single female this very valuable and at ease.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Chris (NSW), reviewed almost 2 years ago

Aussie

Aussie home loan review

Overall rating   0 / 10

Read the Fine Print

I was in the process of re-financing my mortgage. After doing my homework, I contacted Aussie Homeloans. The broker worked really hard to get the best deal he could for me. 4.54% and no loan service fee. I make it clear verbally and confirm by...

I was in the process of re-financing my mortgage. After doing my homework, I contacted Aussie Homeloans. The broker worked really hard to get the best deal he could for me. 4.54% and no loan service fee. I make it clear verbally and confirm by email the amount, the rate and no loan service fee. When he turns up with the loan proposal, it has the wrong amount and rate. So I am busily crossing them out, writing in the correct information and initialling it before I sign. My loan is unconditionally approved. Yippee! But wait, there's more! Contract schedule duly arrives and it is for the incorrect amount and includes a loan service fee of $15 per month. I'm advised that the fees listed in the contract are a worst case scenario but the contract will have to be redrafted to correct the amount. I ask if I will be slugged the redrafting fee of $121? "No, absolutely not." Second contract is then hand delivered with the redrafting fee added to the existing legal fee. "Don't worry, we have requested the fee be waivered and anticipate the waiver will be accepted." I later receive an email advising the fee has been waivered. The loan service fee is still listed. The broker by this time is saying he is a former lawyer and it is his recommendation I don't settle. Hmmmm. Think I better get some independent legal advice here. Legal advice states I am liable for all fees listed in the contract if Aussie choose to enforce them notwithstanding verbal and written assurances. I didn't settle.

    Price   8 / 10

    Features   8 / 10

    Customer service   0 / 10

    Convenience   -1 / 10

    Trust   0 / 10

Less

Megan (WA), reviewed almost 2 years ago

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Home loan comparisons on Mozo Rates updated daily

  • loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • Low interest rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    Upfront fees

    $520

    Go to site

    More info

    • Low interest rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    interest rate

    3.73% p.a. variable

    comparison rate*

    4.05% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 4.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 8 Gateway Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • IMB Bank Accelerator Home Loan (Owner Occupier, LVR<80%)

    IMB Bank Accelerator Home Loan (Owner Occupier, LVR<80%)

    • Life-of-loan discount off the standard variable rate
    • Special discounted rate for the first 2 years
    • 100% offset account

    interest rate

    3.74% p.a. variable for 24 months and then 4.59% variable

    comparison rate*

    4.49% p.a.

    Upfront fees

    $769

    Go to site

    More info

    • Life-of-loan discount off the standard variable rate
    • Special discounted rate for the first 2 years
    • 100% offset account
    • Interest rate: 3.74% p.a. variable for 24 months and then 4.59% variable
    • Comparison rate*: 4.49% p.a.
    • Upfront fees: $769
    • Ongoing fees: $0.00
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.3

    Based on 20 IMB Bank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    HSBC Discounted Home Value Loan (Owner Occupier)

    HSBC Discounted Home Value Loan (Owner Occupier)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.75% p.a. variable

    comparison rate*

    3.77% p.a.

    Upfront fees

    $270

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.75% p.a. variable
    • Comparison rate*: 3.77% p.a.
    • Upfront fees: $270
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.83% p.a.

    Upfront fees

    $595

    Go to site

    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $595
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

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* 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.

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