RateGapevery home loan rate lenders publish, compared

Aussie Select home loan rates

Aussie Select's lowest advertised variable rate for a home you live in and pay down is 6.53%, if you owe up to 90% of the home’s value. It was read Monday 2 November, and is 0.68 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.99%, fixed for four years.

Since the Reserve Bank’s increase on Tuesday 29 September, Aussie Select has raised its lowest advertised variable rate from 6.28% to 6.53%. The change was first seen Friday 2 October. After the Reserve Bank’s increase has every lender.

128 advertised rates across 12 products, published by Aussie Select under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

6.53% Aussie Select, lowest variable rate if you owe up to 90%

5.85% The going rate

0.68 percentage points above the going rate

The going rate is the lowest rate at least three lenders reach, so one lender's odd price cannot set it.

Both are advertised new-customer rates. A negotiated discount is in neither. Read your own rate against this.

Lowest variable rate, if you owe up to 90%: 6.53%
Lowest fixed rate: 6.99%, four years
Lowest comparison rate: 6.54%
Rates published: 128, across 12 products
Last rate move: Thursday 1 October
Last read: Monday 2 November

For a home you live in and pay down. The other loan types are in the tables below.

Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value.

Owner-occupied, principal and interest

Variable

Aussie Select Basic Variable · owe 80.01–90% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.53% (6.54% with fees)
Aussie Select Basic Variable · owe 90.01–95% · 6.64% (6.65% with fees)
Aussie Select Basic Variable · owe 90.01–95% · 6.64% (6.65% with fees)
Aussie Select Basic Variable · owe 90.01–95% · 6.64% (6.65% with fees)

Fixed

Aussie Select Basic 4 Year Fixed · four years · owe 70.01–80% · 6.99% (6.71% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 60.01–70% · 6.99% (6.71% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe up to 60% · 6.99% (6.71% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 60.01–70% · 6.99% (6.59% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 70.01–80% · 6.99% (6.59% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe up to 60% · 6.99% (6.59% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 60.01–70% · 6.99% (6.74% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 70.01–80% · 6.99% (6.74% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe up to 60% · 6.99% (6.74% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 70.01–80% · 6.99% (6.63% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 60.01–70% · 6.99% (6.63% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe up to 60% · 6.99% (6.63% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 70.01–80% · 6.99% (6.67% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 60.01–70% · 6.99% (6.67% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe up to 60% · 6.99% (6.67% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 80.01–90% · 7.19% (6.78% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 80.01–90% · 7.19% (6.61% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 80.01–90% · 7.19% (6.83% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 80.01–90% · 7.19% (6.67% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 80.01–90% · 7.19% (6.73% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 90.01–95% · 7.39% (6.93% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 90.01–95% · 7.39% (6.73% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 90.01–95% · 7.39% (6.98% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 90.01–95% · 7.39% (6.80% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 90.01–95% · 7.39% (6.87% with fees)

Owner-occupied, interest only

24 rates

Variable

Aussie Select Basic Variable · owe up to 60% · 6.60% (6.61% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.60% (6.61% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.60% (6.61% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.64% (6.65% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.64% (6.65% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.64% (6.65% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.64% (6.65% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.64% (6.65% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.64% (6.65% with fees)

Fixed

Aussie Select Basic 4 Year Fixed · four years · owe 60.01–70% · 7.24% (6.80% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 70.01–80% · 7.24% (6.80% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe up to 60% · 7.24% (6.80% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 60.01–70% · 7.24% (6.61% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 70.01–80% · 7.24% (6.61% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe up to 60% · 7.24% (6.61% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 70.01–80% · 7.24% (6.85% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 60.01–70% · 7.24% (6.85% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe up to 60% · 7.24% (6.85% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 70.01–80% · 7.24% (6.68% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe up to 60% · 7.24% (6.68% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 60.01–70% · 7.24% (6.68% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe up to 60% · 7.24% (6.74% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 70.01–80% · 7.24% (6.74% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 60.01–70% · 7.24% (6.74% with fees)

No band here goes above 80% of the property's value. That means Aussie Select publishes none — not that it will not lend above 80%. Whether it does is not in this data.

Investment, principal and interest

32 rates

Variable

Aussie Select Basic Variable · owe 70.01–80% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.54% (6.55% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.69% (6.70% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.69% (6.70% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.69% (6.70% with fees)

Fixed

Aussie Select Basic 5 Year Fixed · five years · owe 70.01–80% · 7.19% (6.84% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 60.01–70% · 7.19% (6.84% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe up to 60% · 7.19% (6.84% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe up to 60% · 7.19% (6.79% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 70.01–80% · 7.19% (6.79% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 60.01–70% · 7.19% (6.79% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe up to 60% · 7.19% (6.74% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 70.01–80% · 7.19% (6.74% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 60.01–70% · 7.19% (6.74% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 60.01–70% · 7.19% (6.68% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe up to 60% · 7.19% (6.68% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 70.01–80% · 7.19% (6.68% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 60.01–70% · 7.19% (6.62% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 70.01–80% · 7.19% (6.62% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe up to 60% · 7.19% (6.62% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 80.01–90% · 7.39% (7.01% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 80.01–90% · 7.39% (6.96% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 80.01–90% · 7.39% (6.90% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 80.01–90% · 7.39% (6.84% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 80.01–90% · 7.39% (6.77% with fees)

Investment, interest only

32 rates

Variable

Aussie Select Basic Variable · owe 70.01–80% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe up to 60% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe 70.01–80% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe 60.01–70% · 6.59% (6.60% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.84% (6.85% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.84% (6.85% with fees)
Aussie Select Basic Variable · owe 80.01–90% · 6.84% (6.85% with fees)

Fixed

Aussie Select Basic 5 Year Fixed · five years · owe 60.01–70% · 7.39% (6.93% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 70.01–80% · 7.39% (6.93% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe up to 60% · 7.39% (6.93% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe up to 60% · 7.39% (6.86% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 70.01–80% · 7.39% (6.86% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 60.01–70% · 7.39% (6.86% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 60.01–70% · 7.39% (6.79% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 70.01–80% · 7.39% (6.79% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe up to 60% · 7.39% (6.79% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 60.01–70% · 7.39% (6.72% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe up to 60% · 7.39% (6.72% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 70.01–80% · 7.39% (6.72% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 70.01–80% · 7.39% (6.64% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe up to 60% · 7.39% (6.64% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 60.01–70% · 7.39% (6.64% with fees)
Aussie Select Basic 5 Year Fixed · five years · owe 80.01–90% · 7.59% (7.10% with fees)
Aussie Select Basic 4 Year Fixed · four years · owe 80.01–90% · 7.59% (7.03% with fees)
Aussie Select Basic 3 Year Fixed · three years · owe 80.01–90% · 7.59% (6.96% with fees)
Aussie Select Basic 2 Year Fixed · two years · owe 80.01–90% · 7.59% (6.88% with fees)
Aussie Select Basic 1 Year Fixed · one year · owe 80.01–90% · 7.59% (6.79% with fees)

What changed

Aussie Select last moved a rate on Thursday 1 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 66 publish a lower one than Aussie Select's 6.53%. The nearest either side:

Cairns bank 6.49%
Liberty Financial 6.49%
Aussie Select 6.53%
Bank of Melbourne 6.54%
BankSA 6.54%

Aussie Select is a Lendi Group brand. The group's other brands with a page here: Aussie Activate, Aussie Elevate. Each publishes its own rates.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Aussie Select told you, it is usually one of these.

The published data is wrong

Aussie Select publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Aussie Select
ABN: 82152378133
Product Reference Data endpoint: https://prd.cdr.aussie.com.au
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 128

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

Open the report form in a new tab ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

The other questions

Are you paying more than you need to? your rate against every lender publishing one
How fast should you pay it off? term, extra repayments, interest only
Don't have a loan yet? what to look at before you pick one
What does each lender advertise? every lender that publishes rates, a page each
What moved this week? which lenders changed an advertised rate
Where do these numbers come from? every published rate, and how fresh it is

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.