BASIC HOME LOAN
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR —
Auswide Bank Ltd Home Loan Rates
Active products
27
Lowest variable
6.09%
Lowest fixed
6.49%
Lowest comparison
6.13%
Last updated
28 July 2026
Auswide Bank Ltd is one of the Australian home-loan lenders we track daily. We currently surface 27 active products from Auswide Bank Ltd, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest Auswide Bank Ltd home loan rate?
The lowest Auswide Bank Ltd variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.49% p.a. These figures come from the 26 Auswide Bank Ltd products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Auswide Bank Ltd offer?
Ratesniffers currently tracks 26 Auswide Bank Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Auswide Bank Ltd home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.19% p.a. | 6.23% p.a. | 100% |
| Variable Investor interest-only | 6.24% p.a. | 6.28% p.a. | 100% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Discount Owner-occupier P&I | 6.04% p.a. | 6.39% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 100% |
| Discount Investor P&I | 6.19% p.a. | 6.54% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.54% p.a. | 6.58% p.a. | 100% |
| Discount Investor interest-only | 6.24% p.a. | 6.59% p.a. | 100% |
| Discount Owner-occupier interest-only | 6.24% p.a. | 6.59% p.a. | 100% |
| Fixed 1-year Investor interest-only | 6.74% p.a. | 6.78% p.a. | 100% |
26 Auswide Bank Ltd home loan products
HOME LOAN PLUS
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR —
BASIC HOME LOAN
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR —
BASIC HOME LOAN
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR —
HOME LOAN PLUS
Owner-occupierDiscountP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.39%p.a.
Monthly repayment
$3,011
LVR —
HOME LOAN PLUS
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
HOME LOAN PLUS
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
HOME LOAN PLUS
InvestorDiscountP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.54%p.a.
Monthly repayment
$3,059
LVR —
HOME LOAN PLUS
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR —
HOME LOAN PLUS
InvestorDiscountInterest onlyOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.59%p.a.
Monthly repayment
$3,075
LVR —
HOME LOAN PLUS
Owner-occupierDiscountInterest onlyOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.59%p.a.
Monthly repayment
$3,075
LVR —
HOME LOAN PLUS
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
HOME LOAN PLUS
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
HOME LOAN PLUS
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
HOME LOAN PLUS
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
HOME LOAN PLUS
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
HOME LOAN PLUS
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
HOME LOAN PLUS
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
HOME LOAN PLUS
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
HOME LOAN PLUS
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
HOME LOAN PLUS
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR —
HOME LOAN PLUS
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR —
HOME LOAN PLUS
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR —
HOME LOAN PLUS
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR —
LINE OF CREDIT
Owner-occupierDiscountInterest onlyExtra repayments
Interest
8.01%p.a.
Comparison*
—
Monthly repayment
$3,672
LVR —
LINE OF CREDIT
InvestorDiscountInterest onlyExtra repayments
Interest
8.53%p.a.
Comparison*
—
Monthly repayment
$3,855
LVR —
Negotiate Auswide Bank Ltd rates with a broker
Advertised rates aren't always the rate Auswide Bank Ltd actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Auswide Bank Ltd?
Auswide Bank is a Queensland regional bank, Bundaberg-born, that merged with Tasmania's MyState Bank in February 2025; since December 2025 the combined group operates under a single banking licence with a loan book around $12.5 billion. The Auswide brand continues serving its regional Queensland heartland.
Its home lending spans branch service in regional Queensland and a national broker channel, with the merged group's scale behind its pricing.
Who suits a Auswide Bank Ltd home loan?
Auswide tends to suit regional Queensland borrowers who want branch access from a local brand with a bigger group behind it. Its rates are set to compete with the majors regionally rather than lead the national market, so check the live table above for where it sits today.
Background facts checked 21 July 2026. Rates above refresh independently.
Auswide Bank Ltd home loans: frequently asked questions
What is the lowest Auswide Bank Ltd home loan rate?
Auswide Bank Ltd's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.49% p.a., based on the 26 Auswide Bank Ltd products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Auswide Bank Ltd approves, a broker can often negotiate a sharper deal on your scenario.
How does Auswide Bank Ltd's home loan rate compare to the market?
Auswide Bank Ltd's lowest variable home loan rate today is 6.09% p.a., which is in line with the market median of 6.09% p.a. today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Auswide Bank Ltd sits right now rather than a fixed snapshot.
How many home loan products does Auswide Bank Ltd offer?
Ratesniffers currently tracks 27 Auswide Bank Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 26 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Auswide Bank Ltd competitive for refinancing?
It depends on your loan size and LVR. Auswide Bank Ltd's lowest comparison rate is currently 6.13% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Auswide Bank Ltd against the sharpest available rate usually pays off.
How often are Auswide Bank Ltd's home loan rates updated?
Ratesniffers refreshes Auswide Bank Ltd's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Auswide Bank Ltd reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Auswide Bank Ltd rates by borrower and loan type
The same Auswide Bank Ltd panel, filtered to the scenario you're actually shopping for.
- Auswide Bank Ltd owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Auswide Bank Ltd investor ratesInvestment lending, interest-only where offered.
- Auswide Bank Ltd refinance ratesRefinance-eligible products versus your current rate.
- Auswide Bank Ltd first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Auswide Bank Ltd fixed rates1 to 5-year terms where available.
- Auswide Bank Ltd variable ratesFlexible repayments, offset-compatible products.
- Auswide Bank Ltd interest-only ratesIO terms, mostly investor products.
- Auswide Bank Ltd offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.