Optimum 1 Year Fixed Rate Home Loan

Optimum 1 Year Fixed Rate Home Loan
Category: Home Loans  Last Updated March 17, 2026  Effective April 20, 2026

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.70% PA
Comparison Rate
6.06%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 6.10%
  • Lending Rate Type: Variable
  • Interest Rate: 6.10%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking Additional Information: Internet Banking & App
  • Notifications Additional Information: Alerts
  • Npp Enabled
  • Redraw
  • Other Additional Information: Maximum loan term is 30 years
  • Extra Repayments Additional Information: Additional Repayments - Up to $20,000 per year in addition to contractual repayment
  • Other Additional Information: No application, Establishment, Redraw or monthly fees for the term of the loan
  • Other Additional Information: Weekly, Fortnightly & Monthly repayment options
  • Other Additional Information: Split loan with Fixed/Variable options

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status - Australian Citizen Or Permanent Resident.

 Bank Fees and Charges

  • Land Title Search Fee (Event), Amount: 17.10. Additional Information: Payable to Third Party
  • Service Fee (Event), Amount: 9.00. Additional Information: SWSCU service fee for searches

 Limitations & Restrictions (Constraints)

  • Max Limit of Additional Information: 2500000
  • Min Limit of Additional Information: 1000