Plain and Simple Home Loan Owner Occupied

Plain and Simple Home Loan Owner Occupied
Category: Home Loans  Last Updated March 31, 2026  Effective April 20, 2026

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 24 months
Interest Rate
5.71% PA
Comparison Rate
6.71%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..
  90%+ LVR
Minimum: 80.0001 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.79%, Comparison Rate 6.89%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <=80% LVR
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.81%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <=80% LVR
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.71%, Comparison Rate 6.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <=80% LVR
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Redraw
  • Offset
  • Card Access Additional Information: Extra repayments allowed

 Product Eligibility

  • Min Age - 18.
  • Other Additional Information: Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.

 Bank Fees and Charges

  • Arrears Letter Fee (Transaction), Amount: 25.00.
  • Default Notice (Transaction), Amount: 35.00.
  • Field Call Fee (Transaction), Amount: 0.00. Additional Information: At cost
  • Loan Variation Fee (Upfront), Amount: 200.00.
  • Manual Redraw Fee (Transaction), Amount: 20.00.
  • Mortgage Discharge Fee (Upfront), Amount: 550.00.
  • Mortgage Settlement Fee (Upfront), Amount: 275.00.
  • Mortgage Substitution Fee (Upfront), Amount: 275.00.
  • Mortgage Top Up Fee (Upfront), Amount: 275.00.
  • Partial Mortgage Discharge Fee (Upfront), Amount: 275.00.
  • Stamp Duty (Variable), Amount: 0.00.
  • Valuation Fee (Variable), Amount: 0.00.
  • Legal Fees (Variable), Amount: 0.00.
  • Govt Fees (Variable), Amount: 0.00.
  • Fixed Loan Document Preparation Fee (Upfront), Amount: 299.00.
  • Document Preparation Fee (Upfront), Amount: 299.00.

 Document Downloads