Optimum 3 Year Fixed Rate Home Loan
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.84% | 6.31% | Fixed · 3 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest | Not compared in rate tables | CDR | 1 Nov 2026 | |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L44_3YR_FROO_HL_10- Content hash
sha256 a5a3a69746592d9f0062d9b289aa6d971e70359ee34721b3798caf8fd2366951- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_a5a3a69746592d9f_daa5a358Show details
- Checked
- 1 Nov 2026
- URL
https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L44_3YR_FROO_HL_10- Content hash
sha256 a5a3a69746592d9f0062d9b289aa6d971e70359ee34721b3798caf8fd2366951- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| SERVICE_FEE | Event | $9.00 |
| LAND_TITLE_SEARCH_FEE | Event | $17.10 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Internet Banking & App | |
| Notifications | ||
| Npp enabled | ||
| Redraw | ||
| Other | No application, Establishment, Redraw or monthly fees for the term of the loan | |
| Extra repayments | Additional repayments - up to $20.000 per year in addition to the contractual repayments | |
| Other | Weekly/fortnightly & monthly repayment options | |
| Other | Maximum loan is 30 years | |
| Other | Split loan with Fixed/Variable options | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Australian citizen or permanent resident | |
| Limit: max limit | ||
| Limit: min limit |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | Comparison rate not published | |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.84% | 6.31% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
comparison-rate-missing | Reason this product is not ranked | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.