Plain and Simple Home Loan Owner Occupied
Plain and Simple Home Loan Owner Occupied
Category: Home Loans Last Updated December 15, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 24 months
Interest Rate
5.46% PA
5.46% PA
Comparison Rate
6.67%PA*
6.67%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: 6.19%, Comparison Rate 6.29%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<=80% LVR
Minimum: 1 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.56%, Comparison Rate 6.81%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<=80% LVR
Minimum: 1 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.46%, Comparison Rate 6.67%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<=80% LVR
Minimum: 1 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.59%, Comparison Rate 6.58%
- 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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