Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Owner Occupied 70% - 80% LVR IO
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 70 to 80%
Auswide Bank Ltd Home Loan Rates
Tracked products
204
Lowest variable
6.04%
Lowest fixed
6.49%
Lowest comparison
6.06%
Last updated
11 Sept 2026
Auswide Bank Ltd is one of the Australian home-loan lenders we track daily. We currently surface 204 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 are Auswide Bank Ltd home loan rates?
Auswide Bank Ltd home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.04% p.a. and the lowest fixed rate currently 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare Auswide Bank Ltd against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Auswide Bank Ltd home loan rate?
The lowest Auswide Bank Ltd variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.49% p.a. These figures come from the 36 Auswide Bank Ltd products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Auswide Bank Ltd offer?
Ratesniffers currently tracks 204 Auswide Bank Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 36 that pass our data-quality checks on this page. 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 |
|---|---|---|---|
| Fixed 3-year Owner-occupier interest-only | 6.84% p.a. | n/a | 80% |
| Fixed 3-year Investor interest-only | 6.84% p.a. | n/a | 60% |
| Fixed 3-year Investor P&I | 6.84% p.a. | 6.81% p.a. | 60% |
| Fixed 3-year Investor interest-only | 6.84% p.a. | n/a | 70% |
| Fixed 3-year Investor P&I | 6.84% p.a. | 6.81% p.a. | 70% |
| Fixed 3-year Investor interest-only | 6.84% p.a. | n/a | 80% |
| Fixed 3-year Owner-occupier interest-only | 6.84% p.a. | n/a | 60% |
| Fixed 3-year Owner-occupier interest-only | 6.84% p.a. | n/a | 70% |
| Fixed 3-year Investor P&I | 6.84% p.a. | 6.85% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.74% p.a. | 6.88% p.a. | 90% |
| Fixed 5-year Owner-occupier P&I | 6.89% p.a. | 6.84% p.a. | n/a |
| Fixed 5-year Owner-occupier P&I | 6.89% p.a. | 6.84% p.a. | 60% |
36 of 204 tracked Auswide Bank Ltd home loan products
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ <60% LVR IO
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤60%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ <60% LVR P&I
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,273
LVR ≤60%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ 60% - 70% LVR IO
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 60 to 70%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ 60% - 70% LVR P&I
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,273
LVR 60 to 70%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ 70% - 80% LVR IO
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤60%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Owner Occupied 60% - 70% LVR IO
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 60 to 70%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ 70% - 80% LVR P&I
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,273
LVR 70 to 80%
Auswide Bank LtdPackage Discount Fixed (L1) 1 Year Owner Occupied 80% - 90% LVR P&I
1y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.89%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,290
LVR not stated
Interest
6.89%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,290
LVR ≤60%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Owner Occupied 60% - 70% LVR P&I
5y FixedOffsetRedraw
Interest
6.89%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,290
LVR 60 to 70%
Auswide Bank LtdPackage Discount Fixed (L1) 2 Year Owner Occupied 80% - 90% LVR P&I
2y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Owner Occupied 70% - 80% LVR P&I
5y FixedOffsetRedraw
Interest
6.89%p.a.
Comparison*
6.92%p.a.
Est. repayment
$3,290
LVR 70 to 80%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Owner Occupied 80% - 90% LVR P&I
3y FixedOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.94%p.a.
Est. repayment
$3,256
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 1 Year Investment $100k+ 80% - 90% LVR IO
1y FixedOffsetRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 2 Year Investment $100k+ 80% - 90% LVR IO
2y FixedOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 80 to 90%
Auswide Bank LtdPackage Discount Variable (L1) $100k+ 80% - 90% LVR Investment P&I
VariableOffsetRedraw
Interest
6.64%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,207
LVR 80 to 90%
Interest
7.04%p.a.
Comparison*
6.97%p.a.
Est. repayment
$3,340
LVR not stated
Interest
7.04%p.a.
Comparison*
6.99%p.a.
Est. repayment
$3,340
LVR not stated
Interest
7.04%p.a.
Comparison*
6.89%p.a.
Est. repayment
$3,340
LVR not stated
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ 80% - 90% LVR IO
3y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ <60% LVR IO
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤60%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ <60% LVR P&I
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
6.99%p.a.
Est. repayment
$3,340
LVR ≤60%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ 60% - 70% LVR IO
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 60 to 70%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ 60% - 70% LVR P&I
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
6.99%p.a.
Est. repayment
$3,340
LVR 60 to 70%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ 70% - 80% LVR IO
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 70 to 80%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ 70% - 80% LVR P&I
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
7.02%p.a.
Est. repayment
$3,340
LVR 70 to 80%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤60%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Owner Occupied 60% - 70% LVR IO
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 60 to 70%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Owner Occupied 70% - 80% LVR IO
5y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 70 to 80%
Auswide Bank LtdPackage Discount Fixed (L1) 1 Year Investment $100k+ 80% - 90% LVR P&I
1y FixedOffsetRedraw
Interest
6.94%p.a.
Comparison*
7.12%p.a.
Est. repayment
$3,306
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Owner Occupied 80% - 90% LVR P&I
5y FixedOffsetRedraw
Interest
7.09%p.a.
Comparison*
7.12%p.a.
Est. repayment
$3,357
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 2 Year Investment $100k+ 80% - 90% LVR P&I
2y FixedOffsetRedraw
Interest
6.99%p.a.
Comparison*
7.15%p.a.
Est. repayment
$3,323
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ 80% - 90% LVR P&I
3y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
7.19%p.a.
Est. repayment
$3,340
LVR 80 to 90%
*Important Information and Comparison Rate Warning
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 based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
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.
Since their February 2025 merger, sister brand MyState Bank is worth comparing too, since each regional brand still sets its own home loan pricing.
Background facts checked 21 July 2026. Rates above refresh independently.
Auswide Bank Ltd fees, offset and limits at a glance
- Application or establishment fee
- $300 per application for Basic Home Loan. Application Fee waived for Freedom Package
- Discharge fee
- $400
- Settlement fee
- $402.50
- Additional valuation fee
- $330
- Rate lock fee
- 0.15% of the approved loan amount OR a min fee of $250
- Loan portability
- $300
- Offset account
- 100%
- Lenders mortgage insurer
- QBE LMI
- Capitalising LMI
- Max LVR 95% including LMI. Investment 90% inc LMI. Bridging loan max LVR 85% including LMI.…
- Extra repayments on fixed
- Yes
- When the fixed rate is locked
- Payment of lock fee
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Auswide Bank Ltd home loans: frequently asked questions
What are Auswide Bank Ltd home loan rates?
Auswide Bank Ltd home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.04% p.a., and the lowest fixed rate is 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare Auswide Bank Ltd against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Auswide Bank Ltd balance, use /calculators/extra-repayment.
What is the lowest Auswide Bank Ltd home loan rate?
Auswide Bank Ltd's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.49% p.a., based on the 36 Auswide Bank Ltd products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Auswide Bank Ltd approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Auswide Bank Ltd home loan?
At Auswide Bank Ltd's lowest variable rate of 6.04% p.a., a $600,000 principal and interest loan over 30 years repays about $3,613 a month, and $500,000 about $3,011. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Auswide Bank Ltd home loan?
There is no single salary. Like every Australian lender, Auswide Bank Ltd must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.04% p.a. is assessed at about 9.04% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Auswide Bank Ltd's home loan rate compare to the market?
Auswide Bank Ltd's lowest variable home loan rate today is 6.04% p.a., which is 20 basis points below the market median of 6.24% p.a., which puts Auswide Bank Ltd among the more competitive lenders on variable rates 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 204 Auswide Bank Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 36 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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 6.06% 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 11 Sept 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.