Optimum 3 Year Fixed Rate Home Loan
Optimum 3 Year Fixed Rate Home Loan
- From (owner occupied)
- 6.1%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.1% | — | — |
| Fixed · 3 years | 6.84% | 6.31% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| SERVICE_FEE SWSCU service fee for searches | Event | $9.00 |
| LAND_TITLE_SEARCH_FEE Payable to Third Party | Event | $17.10 |
Features
- Digital banking
- Internet Banking & App
- Notifications
- Real-time payments (NPP)
- Redraw facility
- No application, Establishment, Redraw or monthly fees for the term of the loan
- Extra repayments
- Additional repayments - up to $20.000 per year in addition to the contractual repayments
- Weekly/fortnightly & monthly repayment options
- Maximum loan is 30 years
Eligibility
- Minimum age — 18 years
- Individuals only
- Residency statusAustralian citizen or permanent resident
Constraints
- Maximum limit2500000
- Minimum limit1000
More Information
Published by SWSbank under the Consumer Data Right · Last updated 11 May 2026 · Product ID L44_3YR_FROO_HL_10 · View on CDR.gov.au