Aussie review
Updated September 30, 2026 · SumCue Editorial Team
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Our verdict
Aussie suits households comparing purchase and remortgage options on SumCue where typical pricing matters, with typical initial rates around 4.22% across listed mortgages. It fits borrowers who want to weigh rate against APRC and loan to value before shortlisting lenders for a closer look.
Key facts
- Best for
- Households comparing purchase and remortgage deals by rate and loan to value
- Official website
- aussie.com.au
Pros and cons
Pros
- Typical initial rates around 4.22% give clear context for side by side comparison
- APRC around 4.1% helps weigh longer term cost beyond the opening deal
- Maximum loan to value around 90% clarifies likely deposit needs
Cons
- Fixed periods vary across the market toward 25, so payment certainty differs by deal
- APRC levels around 4.1% can sit above headline rates, so longer term cost needs care
- Maximum loan to value around 90% still leaves deposit gaps for lighter deposits
Ready to try Aussie?
Who it suits
- Households comparing purchase deals using initial rate and APRC context
- Owners weighing a remortgage switch by fixed period and loan to value
- Planners who want deposit needs framed by market loan to value levels
Who should look elsewhere
- Borrowers seeking borrowing outside mortgages, since this view centres on initial rate, APRC and loan to value
- Borrowers who want deposit free lending certainty, since maximum loan to value around 90% still implies deposit input
How Aussie compares
Frequently asked questions
What initial rate should I expect when comparing mortgages?+
Listed mortgages show typical initial rates around 4.22%, with ranked mortgages around 4.56%. Use those levels to place Aussie style offers side by side, then check how the rate changes after any fixed period ends.
How does APRC help me compare mortgage costs?+
APRC gives a longer term view of cost, with site levels around 4.1% and ranked mortgages around 4.16%. It helps you weigh headline rates against charges and later variable periods before you shortlist.
How long do fixed periods usually last?+
Fixed periods differ across deals, with typical ranked terms around 10 and wider site cover toward 25. A longer fixed spell brings payment certainty, while a shorter spell brings earlier remortgage choice.
What does maximum loan to value mean for my deposit?+
Maximum loan to value across the market sits around 90%, with ranked mortgages also around 90%. That level frames how much deposit you may need, since lower loan to value deals often pair with calmer pricing.
Can I compare purchase and remortgage options together?+
Mortgages here commonly support purchase and remortgage needs, so you can compare a move with a switch on similar terms. Check initial rate, APRC, fixed period and maximum loan to value together, rather than judging a deal on rate alone.
Which figures matter most before I shortlist?+
Start with initial rate around 4.22%, then add APRC around 4.1% and maximum loan to value around 90%. That mix shows starting cost, longer term cost and borrowing scale in a balanced way.
Not confirmed yet: Initial rate, APRC, Fixed period, Maximum loan to value.
Related by the facts
Aussie
Households comparing purchase and remortgage deals by rate and loan to value