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
5.71% PA
Comparison Rate
6.71%PA*
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 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
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