Are you eligible for an Aussie Edge home loan?

Check out our key eligibility criteria to see if an Aussie Edge home loan might be suitable for your needs.

If you’re planning to refinance an existing home loan or purchase a home or investment property, you may be eligible for an Aussie Edge home loan, available through Aussie Online.

Application checklist

1. Property type

You’re buying or refinancing an established property (not off the plan or under construction).

2. Location

The property is located in a capital city or major regional centre.

3. Address

You have the address of the property you want finance for. If you’re refinancing this is easy! If you're purchasing, we’ll need the address that you’re considering purchasing.

4. Deposit amount

You have at least a 20% deposit or equity*, plus savings to cover fees and charges such as stamp duty.

5. Loan amount

If you meet our credit requirements, you can borrow a minimum loan amount of $10,000 and a maximum loan amount of $2 million.

6. Employment

You’re currently employed, either through PAYG or have been self-employed for at least 2 years.

7. ID

You have at least one form of government ID - a passport (with a current visa and certified English translation if foreign), a driver’s licence or a Medicare card.

8. Country

You’re an Australian citizen or permanent resident who lives in Australia.

What's next?

If you answered yes to all of these, it sounds like we could be a good fit for each other. You can start or continue with your Aussie Edge application.

Read through the Aussie Edge FAQs to find more information about Aussie Edge and the Aussie Online application process.

What’s not available with an Aussie Edge home loan?

It’s just as important to know why Aussie Edge may not be quite right for you. If you’re looking for a loan type or feature in the below list, we recommend booking an appointment with an Aussie Broker to explore options from our panel of more than 20 lenders^.

  • Pre-approval (i.e. you’re still pounding the pavement to find a property)
  • A construction home loan or a loan for vacant land
  • Guarantor/s
  • Debt consolidation
  • Loan splits (where you have a mix of different loan or repayment types)
  • Business or trust loans
  • More than two borrowers on the loan
  • More than one security or property on the loan
  • Bridging finance  
  • Equity release
  • Borrowing more than 80% of a property’s value


Speak to an Aussie Broker