Aussie home loans

Aussie, previously known as Aussie Home Loans, is an Australian mortgage provider.

Since being established in 1992, Aussie has grown to employ over 1,000 brokers with over 200 stores.

Aussie provides a wide range of home loans, including fixed-rate home loans, variable-rate home loans and others. As both a provider and a broker, Aussie offers home loans directly and also negotiates home loans on behalf of customers.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. © 2021 Aussie. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Pty Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit and any applicable offset accounts are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Mark Bristow

Personal Finance Editor

Content updated

17 Oct, 2022

Product data updated

17 Nov, 2024

Why choose Aussie

Benefits

Competitive rates
Interest rates vary by loan size and type
Extensive branch access

Drawbacks

Limited repayment options on most loans
Some fees apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

Contact a mortgage broker

Aussie home loans are available through brokers who can help find the right loan and manage your application at no charge.

Aileen Ho

NSW2000

Customer Representative Number: 392035

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Aileen has over 10 years of banking experience across the two major banks, Westpac and ANZ and as a Mortgage Broker sinc...

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Aussie customer service

Customers can meet with a mortgage broker at one of the Aussie retail stores throughout Australia or via appointment with a mobile broker. Customers can also contact Aussie by:

Customer service centre (phone, email, branch)
Mobile app
Online banking
Live Chat
Mobile banking staff

How to apply

Aussie allows customers to start the home loan application process by phone, or by booking a free appointment via their website, or in person at an Aussie retail store.

Before applying for a home loan, it’s important to look at how much you can afford to borrow and comfortably repay in your current financial situation.

To apply for an Aussie loan, you will need to supply documentation, such as:

Personal identification.
Proof of income and savings.
Information on your family situation.
Information regarding your current debts, liabilities and assets.

About Aussie home loans

Aussie offers a wide range of home loans to suit a variety of customers, including:

First home buyers
Investors
Refinancers
Upgraders
Renovators

In terms of interest rates and repayments, Aussie home loans borrowers can choose from a number of options, including:

Fixed-rate home loans
Variable-rate home loans
Split home loans
Interest-only loans
Principal-and-interest loans

Aussie home loans have a maximum loan term of 30 years. Unlimited extra repayments are allowed in addition to the minimum repayments. Redraw facilities may also be available and offset accounts may be offered on some of Aussie’s home loan products.

Aussie home loan rates

The Aussie home loan rate you may be offered depends on the type of home loan you apply for, and your personal financial situation in regards to its eligibility criteria.

Typically, customers wanting to borrow money to buy a homes to live in as owner occupiers will be able to secure lower interest rates than those wanting to borrow money to invest in property.

Aussie borrowers may also get to choose between a variable interest rate on their home loan that may rise or fall, and fixed-rate home loan with an interest rate that will stay the same for a limited number of years.

Aussie home loans review

Aussie provides home loans to borrowers all over Australia, whether directly from its retail stores or via mobile mortgage brokers.

As well as offering its own home loans, Aussie works with lenders all over Australia – including the big four banks – to offer a choice of flexible home loans to suit different needs.

Aussie provides home loans suited to basic borrowers, such as standard owner-occupier home loans, as well as specialist home loans such as bridging loans.

Depending on the type of loan, Aussie home loans may offer other potentially useful features, such as offset accounts, redraw facilities and the ability to make extra repayments.

While Aussie offers competitive home loan interest rates and fees, these can vary according to what’s negotiated by the Aussie broker.

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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Home & Personal Finances Editor, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

Aussie home loans

Why choose Aussie

Benefits

Drawbacks

Aussie Home Loans