RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%

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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

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RESOURCES LIBRARY

PROPERTY REPORTS

RATES FROM 4.79% (5.47%^*)

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

Comparison Rate
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..

6.19% (6.29%*), 90%+ LVR, 80.0001% - 90% OO P&I

Lending Rate Type: Variable
Interest Rate: 6.19%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.56% (6.81%*), <=80% LVR, 1% - 80% OO P&I

Lending Rate Type: Fixed
Interest Rate: 5.56%, Comparison Rate 6.81%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.46% (6.67%*), <=80% LVR, 1% - 80% OO P&I

Lending Rate Type: Fixed
Interest Rate: 5.46%, Comparison Rate 6.67%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.59% (6.58%*), <=80% LVR, 1% - 80% OO P&I

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

pds-fees-charges-transaction-limits-07-2025-final.pdf (303.2 KB)

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