Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Investment $100k+ 80% - 90% LVR P&I
3y FixedOffsetRedraw
Interest
7.14%p.a.
Comparison*
7.39%p.a.
Est. repayment
$3,374
LVR 80 to 90%
Auswide Bank Ltd Home Loan Rates
Tracked products
202
Variable product example
6.44%
A verified Auswide Bank Ltd product example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
6.74%
A verified Auswide Bank Ltd product example is Package Discount Fixed (L1) 3 Year Owner Occupied 70% - 80% LVR P&I: 6.74% p.a. (6.96% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Variable example comparison
6.46%
A verified Auswide Bank Ltd product example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 2026
Auswide Bank Ltd is one of the Australian home-loan lenders we track daily. We currently surface 202 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?
Ratesniffers compares Auswide Bank Ltd home loan products by comparison rate. A verified Auswide Bank Ltd product example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Auswide Bank Ltd product example is Package Discount Fixed (L1) 3 Year Owner Occupied 70% - 80% LVR P&I: 6.74% p.a. (6.96% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified Auswide Bank Ltd product example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Auswide Bank Ltd product example is Package Discount Fixed (L1) 3 Year Owner Occupied 70% - 80% LVR P&I: 6.74% p.a. (6.96% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Auswide Bank Ltd offer?
Ratesniffers currently tracks 202 Auswide Bank Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 9 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 Investor P&I | 7.14% p.a. | 7.39% p.a. | 90% |
| Fixed 5-year Investor interest-only | 7.44% p.a. | n/a | 90% |
| Variable Owner-occupier P&I | 7.14% p.a. | 7.49% p.a. | 95% |
| Fixed 5-year Investor P&I | 7.34% p.a. | 7.50% p.a. | 90% |
| Fixed 3-year Owner-occupier P&I | 6.99% p.a. | 7.52% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.99% p.a. | 7.54% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 7.29% p.a. | 7.60% p.a. | 95% |
| Fixed 5-year Owner-occupier P&I | 7.29% p.a. | 7.62% p.a. | 95% |
| Variable Owner-occupier interest-only | 6.49% p.a. | 10.17% p.a. | n/a |
9 of 202 tracked Auswide Bank Ltd home loan products
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ 80% - 90% LVR IO
5y FixedOffsetRedraw
Interest
7.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,100
LVR 80 to 90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Auswide Bank LtdPackage Discount Variable (L1) $100k+ 90% - 95% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
7.14%p.a.
Comparison*
7.49%p.a.
Est. repayment
$3,374
LVR 90 to 95%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Investment $100k+ 80% - 90% LVR P&I
5y FixedOffsetRedraw
Interest
7.34%p.a.
Comparison*
7.50%p.a.
Est. repayment
$3,441
LVR 80 to 90%
Auswide Bank LtdPackage Discount Fixed (L1) 3 Year Owner Occupied 90% - 95% LVR P&I
3y FixedOffsetRedraw
Interest
6.99%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,323
LVR 90 to 95%
Auswide Bank LtdPackage Discount Fixed (L1) 2 Year Owner Occupied 90% - 95% LVR P&I
2y FixedOffsetRedraw
Interest
6.99%p.a.
Comparison*
7.54%p.a.
Est. repayment
$3,323
LVR 90 to 95%
Auswide Bank LtdPackage Discount Fixed (L1) 1 Year Owner Occupied 90% - 95% LVR P&I
1y FixedOffsetRedraw
Interest
7.29%p.a.
Comparison*
7.60%p.a.
Est. repayment
$3,424
LVR 90 to 95%
Auswide Bank LtdPackage Discount Fixed (L1) 5 Year Owner Occupied 90% - 95% LVR P&I
5y FixedOffsetRedraw
Interest
7.29%p.a.
Comparison*
7.62%p.a.
Est. repayment
$3,424
LVR 90 to 95%
Interest
6.49%p.a.
Comparison*
10.17%p.a.
Est. interest only / month
$2,704
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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 that has kept growing through FY26. 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 14 September 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 8 Oct 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?
Ratesniffers compares Auswide Bank Ltd home loan products by comparison rate. A verified Auswide Bank Ltd product example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Auswide Bank Ltd product example is Package Discount Fixed (L1) 3 Year Owner Occupied 70% - 80% LVR P&I: 6.74% p.a. (6.96% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare Auswide Bank Ltd at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Auswide Bank Ltd home loan rate?
A verified Auswide Bank Ltd product example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Auswide Bank Ltd product example is Package Discount Fixed (L1) 3 Year Owner Occupied 70% - 80% LVR P&I: 6.74% p.a. (6.96% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Auswide Bank Ltd home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,769 a month before fees. The selected source example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Auswide Bank Ltd home loan?
There is no single salary requirement for a Auswide Bank Ltd home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Auswide Bank Ltd's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Auswide Bank Ltd's home loan rate compare to the market?
A verified Auswide Bank Ltd product example is Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.46% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
How many home loan products does Auswide Bank Ltd offer?
Ratesniffers currently tracks 202 Auswide Bank Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 9 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?
Compare Auswide Bank Ltd's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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.