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
5.70% PA
Comparison Rate
6.06%PA*
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 vary based on the LVR and other conditions.
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
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