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[RateGap](/)every 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.

Have a loan with Aussie Select? Compare your rate

        Loan balance ($)

          on your statement or in your banking app
        Your rate (%)

          not the comparison rate, which adds fees

      Compare my rate

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](/market/after-the-rba) 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](/?lender=3e27358c-3870-f111-9b47-6045bd3f59f5).

**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](/lenders), and
        [every rate move since capture began](/data/history).

## 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](/lender/cairns-bank) 6.49%
- [Liberty Financial](/lender/liberty-financial) 6.49%
- Aussie Select 6.53%
- [Bank of Melbourne](/lender/bank-of-melbourne) 6.54%
- [BankSA](/lender/banksa) 6.54%

Aussie Select is a Lendi Group brand. The group's other
      brands with a page here: [Aussie Activate](/lender/aussie-activate), [Aussie Elevate](/lender/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.
```

            Copy the report
            [Open the report form in a new tab ↗](https://forms.oaic.gov.au/forms/report)

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](/#fb), 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](/#fb). The data behind every page here is
        [free to download](/data) 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?](/paying-it-off)
              term, extra repayments, interest only- [Don't have a loan yet?](/buying)
              what to look at before you pick one- [What does each lender advertise?](/lenders)
              every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week)
              which lenders changed an advertised rate- [Where do these numbers come from?](/data)
              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](/about).
    [What this site collects](/privacy).

      **More from the data**

Building something with this? There is
      [an API](/api), and [the data is free](/data).

This morning: [the market](/market),
    [variable rates](/market/variable-rates),
    [fixed rates](/market/fixed-rates) and
    [what moved this week](/market/changes-this-week).

Found in the data: [what lenders charge above 80%](/research/lvr-bands),
    [the rate a fixed loan rolls onto](/research/revert-rates) and
    [what a comparison rate adds](/research/comparison-rates). Also
    [what an offset costs](/research/offset-accounts), and
    [what investors pay on top](/research/investor-premium).