---
title: "Optimum Investor 3 Year Fixed Rate Home Loan — SWSbank"
description: "Home Loans from SWSbank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/swsbank/products/L49_3Y_FRINV_8
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-12T09:43:59.000+10:00
---

# Optimum Investor 3 Year Fixed Rate Home Loan — SWSbank

> Home Loans from SWSbank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Negotiable rates · South West Slopes Credit Union Ltd trading as SWSbank**

Optimum Investor 3 Year Fixed Rate Home Loan

## At a glance

- **From (investment):** 6.4% (Variable)

## Apply

Applications are handled by the provider: [Apply at SWSbank](https://swscu.apply-online.com.au/#/fa7a66eb-3f68-4fc6-9fdd-6b5e4cf958cf)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.4% | — | — |
| Fixed · 3 years | 6.94% | 6.56% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| LAND_TITLE_SEARCH_FEE — Payable to Third Party | Event | $17.10 |
| SERVICE_FEE — SWSCU service fee for searches | Event | $9.00 |

## Features

- **Digital banking** (Internet Banking & App)
- **Notifications** (Alerts)
- **Real-time payments (NPP)**
- **Redraw facility**
- **Maximum loan term is 30 years**
- **Split loan with Fixed/Variable options**
- **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**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Australian citizen or permanent resident

## Constraints

- **Maximum limit** (2500000)
- **Minimum limit** (1000)

## More information from SWSbank

- [Overview](https://www.swsbank.com.au/loans/investor-home-loans/all-investment-home-loans/)
- [Terms & conditions](https://www.swsbank.com.au/help-support/important-information/disclosure-documents/)
- [Fees & pricing](https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/)

## Data provenance

- Published by SWSbank under the Consumer Data Right
- Product ID: `L49_3Y_FRINV_8`
- Last updated by the provider: 11 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/swsbank/L49_3Y_FRINV_8
- Provider page: https://www.cdrcompare.au/brands/swsbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000185

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/swsbank/products/L49_3Y_FRINV_8) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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