Optimum Investor 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 |
|---|---|---|---|---|---|
| 6.94% | 6.56% | Fixed · 3 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · 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.
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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/L49_3Y_FRINV_8- Content hash
sha256 64e61dbeb705d883175a82b1f93770674b37db3dbd455ca518fb53a5f7d49e88- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_64e61dbeb705d883_21492aebShow details
- Checked
- 1 Nov 2026
- URL
https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L49_3Y_FRINV_8- Content hash
sha256 64e61dbeb705d883175a82b1f93770674b37db3dbd455ca518fb53a5f7d49e88- 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 |
|---|---|---|
| LAND_TITLE_SEARCH_FEE | Event | $17.10 |
| SERVICE_FEE | Event | $9.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Internet Banking & App | |
| Notifications | Alerts | |
| Npp enabled | ||
| Redraw | ||
| Other | Maximum loan term is 30 years | |
| Other | Split loan with Fixed/Variable options | |
| 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 | |
| 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 · investment · principal and interest | 1 Nov 2026 | Current | Comparison rate not published | |
| Fixed · 3 years · investment · principal and interest | 1 Nov 2026 | Current | 6.94% | 6.56% |
*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 | |
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