Home Loan Interest Rates

Effective Monday, 16 May 2022

Owner Occupied Home Loans	Interest Rate	Comparison Rate
Standard Variable Rate Home Loan	3.70% p.a.	3.70% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Standard Variable Home Loan	2.49% p.a.	3.59% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Intro Discounted Standard Variable Home Loan	3.30% p.a.	3.67% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum 1 Year Fixed Rate Home Loan	3.49% p.a.	3.69% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum 2 Year Fixed Rate Home Loan	3.49% p.a.	3.66% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Standard Variable Reference Rate	3.70% p.a.	3.70% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.

Investor Home Loans	Interest Rates	Comparison Rates
Standard Investment Variable Home Loan	4.50% p.a.	4.50% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Investment Standard Variable Home Loan	2.49% p.a.	4.31% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Intro Discounted Investment Standard Variable Home Loan	4.10% p.a.	4.10% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Investment Home Loan - Interest Only	4.25% p.a.	4.25% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investor 1 Year Fixed Rate Home Loan	3.49% p.a.	4.13% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investor 2 Year Fixed Rate Home Loan	3.49% p.a.	4.32% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investment Standard Variable Reference Rate	4.20% p.a.	4.20% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.

We're ready to help you

Important information

¹ 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. This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
² At the discounted period the interest rate will revert to our Standard Variable Home Loan (currently 3.70% p.a., Comparison Rate 3.70% p.a.).
³ After the fixed period, the Owner Occupied Home Loans Rate and Investors Home Loan Rates will revert to the respective Optimum Standard Variable Reference Rate or Optimum Investment Standard Variable Reference Rate as stated (currently 3.70% p.a., Comparison Rate 3.70% p.a.).
⁴ At the end of the discounted period the interest rate will revert to our Standard Investment Variable Home Loan (currently 4.50% p.a., Comparison Rate 4.50% p.a.).
⁵ A discount of 0.40% is applied to the advertised Standard Investment Variable Home Loan Rate for the term of the loan.
⁶ After the interest only period the interest rate will revert to the advertised Standard Investment Variable Home Loan Rate for the term of the loan.
⁷ After the fixed period the interest rate will revert to our Optimum Investment Standard Variable Reference rate (currently 4.20% p.a., Comparison Rate 4.20% p.a.).