Optimum 3YR Fixed

Optimum 3YR Fixed
Category: Home Loans  Last Updated April 7, 2025  Effective April 14, 2025

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
4.99% PA
Comparison Rate
6.55%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 usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 6.35%
  • Lending Rate Type: Variable
  • Interest Rate: 6.35%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking Additional Information: SWSCU Internet Banking & App
  • Notifications Additional Information: Alerts
  • Npp Enabled
  • Redraw
  • Other Additional Information: Maximum loan term is 30 years

 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