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Aussie Activate

We’ll take the time to learn about your real life situation to see if we can find a home loan solution for you.

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Why choose Aussie Activate?

With Aussie Activate, credit assessors take a personalised approach to review your application.

Whether you’re newly self-employed, you have existing debts or perhaps have had issues with credit in the past, we’ll explore options to help you reach your property goals.

Our Aussie Activate range has a variety of features that may suit your needs, including the ability to borrow up to 95% of the property value, access an offset account linked to an Aussie branded Visa Debit Card, consolidate debts into your home loan^a and make additional repayments to pay off your loan faster.

We’ll assess your application within 48 hours and every pre-approval is fully assessed, which means all we need is a satisfactory property valuation for your loan to be formally approved, giving you the edge over other buyers.

Aussie Activate home loans at a glance

Borrow from $50,000 to $2,500,000 depending on your needs and circumstances
Loan terms up to 30 years
No upfront or ongoing fees for Aussie Activate Prime loans
48 hour application assessment^b
Fully assessed pre-approvals
Alternative doc and newly self-employed loan options
Principal & Interest or Interest Only^c repayment options available
Option to add an Offset Account linked to an Aussie branded Visa Debit Card
Structure your loan with up to four splits^d
Consolidate your existing debts^e
First standard valuation at no cost^f
Make additional repayments
Unlimited online redraw through your Aussie Activate online banking account (minimum of $50 per transaction)
Flexible repayment frequency of weekly, fortnightly or monthly for loans or splits with Principal & Interest repayments

Aussie Activate Interest Rates

Aussie Activate Standard refers to Owner-occupier home loans with Principal and Interest repayments.
Aussie Activate Plus refers to Owner-occupier home loans with Interest Only repayments and Investment home loans with either Principal and Interest or Interest Only repayments.

Standard
Plus

Standard

Product Name	Interest Rates From	Comparison Rate From
Aussie Activate Prime Full Doc	[rates\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}
Aussie Activate Near Prime Full Doc	[rates\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}
Aussie Activate Specialist Full Doc	[rates\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%*}
Aussie Activate Prime Alt Doc	[rates\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{rate\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{comprate\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Near Prime Alt Doc	[rates\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{rate\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{comprate\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Specialist Alt Doc	[rates\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%*}

Plus

Product Name	Interest Rates From	Comparison Rate From
Aussie Activate Prime Full Doc PLUS	[rates\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{rate\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}	[comp-rates\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{comprate\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}
Aussie Activate Near Prime Alt Doc PLUS	[rates\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{rate\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{comprate\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Specialist Full Doc PLUS	[rates\|INV-Aussie-Activate-Specialist-Full-Doc-IO-Variable-LVR >75% up to 80%]^{rate\|INV-Aussie-Activate-Specialist-Full-Doc-IO-Variable-LVR >75% up to 80%*}	[comp-rates\|INV-Aussie-Activate-Specialist-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{comprate\|INV-Aussie-Activate-Specialist-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}
Aussie Activate Prime Alt Doc PLUS	[rates\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{rate\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{comprate\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Near Prime Full Doc PLUS	[rates\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{rate\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}	[comp-rates\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{comprate\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}
Aussie Activate Specialist Alt Doc PLUS	[rates\|INV-Aussie-Activate-Specialist-alt-Doc-IO-Variable-LVR>70% up to 75%]^{rate\|INV-Aussie-Activate-Specialist-alt-Doc-IO-Variable-LVR>70% up to 75%*}	[comp-rates\|INV-Aussie-Activate-Specialist-alt-Doc-PLUS-P&I-IO-Variable-LVR>70% up to 75%]^{comprate\|INV-Aussie-Activate-Specialist-alt-Doc-PLUS-P&I-IO-Variable-LVR>70% up to 75%*}

View the full schedule of Aussie Home Loans interest rates

View Aussie Activate Target Market Determinations

Find an Aussie Activate Key Fact Sheet

If you know your loan amount, property value and would like to get more information one of our Aussie home loans, you can use our key fact sheet generator.

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Helpful FAQs

What kind of Aussie Activate loans are available?
Aussie Activate might be a suitable option if you’re looking for a:

Straightforward loan solution

Near-Prime loan, if your situation isn’t quite so simple

Alternate Doc loans if you’re self-employed

Construction loan if you’re building a home or investment property

Specialist loan if you’ve had credit issues

If one of these scenarios sounds like you, ask your Aussie Broker if Aussie Activate might be an option for you.
How can I get an Aussie Activate loan?

Aussie Activate is available exclusively through your Aussie Broker. Get in touch with us to book an appointment with an Aussie Broker today.
Can I get a pre-approval with Aussie Activate?

Yes, you can get a pre-approval fully assessed with Aussie Activate if you’re still looking for a property.
What’s the difference between Aussie Activate and Aussie Activate Plus?

Aussie Activate home loans are for borrowers looking to purchase or refinance a home to live in with principal and interest repayments.

Aussie Activate Plus home loans are for borrowers looking for an investment property with principal and interest repayments, or for borrowers looking for a property to live in or rent out with interest only repayments.
Can I get a fixed rate with Aussie Activate?

All Aussie Activate home loans are based on variable interest rates. There may be an opportunity to fix your home loan after you settle an Aussie Activate loan.

What kind of Aussie Activate loans are available?
Aussie Activate might be a suitable option if you’re looking for a:

Straightforward loan solution

Near-Prime loan, if your situation isn’t quite so simple

Alternate Doc loans if you’re self-employed

Construction loan if you’re building a home or investment property

Specialist loan if you’ve had credit issues

If one of these scenarios sounds like you, ask your Aussie Broker if Aussie Activate might be an option for you.
How can I get an Aussie Activate loan?

Aussie Activate is available exclusively through your Aussie Broker. Get in touch with us to book an appointment with an Aussie Broker today.
Can I get a pre-approval with Aussie Activate?

Yes, you can get a pre-approval fully assessed with Aussie Activate if you’re still looking for a property.
What’s the difference between Aussie Activate and Aussie Activate Plus?

Aussie Activate home loans are for borrowers looking to purchase or refinance a home to live in with principal and interest repayments.

Aussie Activate Plus home loans are for borrowers looking for an investment property with principal and interest repayments, or for borrowers looking for a property to live in or rent out with interest only repayments.
Can I get a fixed rate with Aussie Activate?

All Aussie Activate home loans are based on variable interest rates. There may be an opportunity to fix your home loan after you settle an Aussie Activate loan.

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Product Name	Interest Rates From	Comparison Rate From
Aussie Activate Prime Full Doc	[rates\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}
Aussie Activate Near Prime Full Doc	[rates\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Near-Prime-Full-Doc-P&I-Variable-LVR >75% up to 80%*}
Aussie Activate Specialist Full Doc	[rates\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Specialist-Full-Doc-P&I-Variable-LVR >75% up to 80%*}
Aussie Activate Prime Alt Doc	[rates\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{rate\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{comprate\|OO-Aussie-Activate-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Near Prime Alt Doc	[rates\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{rate\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR]^{comprate\|OO-Aussie-Activate-Near-Prime-Alt-Doc-P&I-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Specialist Alt Doc	[rates\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%]^{rate\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%*}	[comp-rates\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%]^{comprate\|OO-Aussie-Activate-Specialist-alt-Doc-P&I-Variable-LVR >75% up to 80%*}

Product Name	Interest Rates From	Comparison Rate From
Aussie Activate Prime Full Doc PLUS	[rates\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{rate\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}	[comp-rates\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{comprate\|INV-Aussie-Activate-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}
Aussie Activate Near Prime Alt Doc PLUS	[rates\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{rate\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{comprate\|INV-Aussie-Activate-Near-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Specialist Full Doc PLUS	[rates\|INV-Aussie-Activate-Specialist-Full-Doc-IO-Variable-LVR >75% up to 80%]^{rate\|INV-Aussie-Activate-Specialist-Full-Doc-IO-Variable-LVR >75% up to 80%*}	[comp-rates\|INV-Aussie-Activate-Specialist-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{comprate\|INV-Aussie-Activate-Specialist-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}
Aussie Activate Prime Alt Doc PLUS	[rates\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{rate\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}	[comp-rates\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR]^{comprate\|INV-Aussie-Activate-Prime-Alt-Doc-PLUS-P&I-IO-Variable-LVR>75% up to 80% LVR*}
Aussie Activate Near Prime Full Doc PLUS	[rates\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{rate\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}	[comp-rates\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%]^{comprate\|INV-Aussie-Activate-Near-Prime-Full-Doc-PLUS-P&I-IO-Variable-LVR >75% up to 80%*}
Aussie Activate Specialist Alt Doc PLUS	[rates\|INV-Aussie-Activate-Specialist-alt-Doc-IO-Variable-LVR>70% up to 75%]^{rate\|INV-Aussie-Activate-Specialist-alt-Doc-IO-Variable-LVR>70% up to 75%*}	[comp-rates\|INV-Aussie-Activate-Specialist-alt-Doc-PLUS-P&I-IO-Variable-LVR>70% up to 75%]^{comprate\|INV-Aussie-Activate-Specialist-alt-Doc-PLUS-P&I-IO-Variable-LVR>70% up to 75%*}

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