Product Library

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

Comparison Rate
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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