Auswide Bank Home Loan Rates December 2025

Explore Auswide Bank home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
5.29% p.a.
5.32% p.a.
$2,773
Principal & Interest
Variable
$0
$702
60%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 40% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.29% p.a.
5.79% p.a.
$2,773
Principal & Interest
Fixed
$395
$302
70%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 30% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.29% p.a.
5.77% p.a.
$2,773
Principal & Interest
Fixed
$395
$302
70%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 30% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.29% p.a.
5.74% p.a.
$2,773
Principal & Interest
Fixed
$395
$302
60%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.29% p.a.
5.73% p.a.
$2,773
Principal & Interest
Fixed
$395
$302
60%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.29% p.a.
5.66% p.a.
$2,773
Principal & Interest
Variable
$395
$302
60%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.34% p.a.
5.37% p.a.
$2,789
Principal & Interest
Variable
$0
$702
70%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 30% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.34% p.a.
5.37% p.a.
$2,789
Principal & Interest
Variable
$0
$702
80%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
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Important Information and Comparison Rate Warning

What you need to know about Auswide Bank home loans

Auswide Bank began life in 1966 and re-branded to its current name in 2015. In February 2025 it merged with ASX-listed MyState Bank and is now a MyState subsidiary, yet continues to operate under the Auswide Bank name and licence. Head-quartered in Bundaberg, it pitches itself as a 'small things, big difference' alternative to the majors.

You might find Auswide Bank a good fit if you:

  • Prefer a regional lender with in-person service
    Auswide Bank runs 16 branches across Queensland and supports customers in other states through mobile lenders, phone support, and Bank@Post.

  • Want flexible home loan options
    The bank offers two variable rate home loan products - one with an offset account and another without - as well as a fixed rate option.

  • Like the idea of bundling for fee and rate discounts
    Auswide Bank's Freedom Package bundles your home loan, everyday banking, and a credit card, waiving or minimising a range of fees and reducing the mortgage rate for a $395 annual package fee.

  • Need help buying with a small deposit
    Auswide Bank is an approved panel lender for the 5% Deposit Scheme, allowing eligible borrowers to buy with a deposit of less than 20% without paying for lenders mortgage insurance (LMI).

  • Value digital options plus branch back-up
    You can manage accounts 24/7 via internet banking or the refreshed Auswide Bank mobile app (launched August 2025).

  • Care about sustainability and local giving
    The bank has employed a number of sustainability initiatives and supports charities, grassroots causes, and sporting initiatives.

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