Home Loan Interest Rates

Effective Monday, 01 August 2022

Owner Occupied Home Loans	Interest Rate	Comparison Rate
Standard Variable Rate Home Loan	4.70% p.a.	4.70% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Standard Variable Home Loan	3.49% p.a.	4.59% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Intro Discounted Standard Variable Home Loan	4.30% p.a.	4.30% 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	5.90% p.a.	4.82% 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	6.30% p.a.	5.00% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Standard Variable Reference Rate	4.70% p.a.	4.70% 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	5.50% p.a.	5.50% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Investment Standard Variable Home Loan	3.49% p.a.	5.30% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Investment Discounted Standard Variable Home Loan	5.10% p.a.	5.10% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Investment Home Loan - Interest Only	5.75% p.a.	5.75% 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	5.90% p.a.	5.54% 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	6.30% p.a.	5.65% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investment Standard Variable Reference Rate	5.50% p.a.	5.50% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.

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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 end of the discounted period the interest rate will revert to our Standard Variable Home Loan rate (currently 4.70% p.a., Comparison Rate 4.70% p.a.).
³ A discount of 0.40% is applied to the advertised Owner Occupied Standard Variable Home Loan Rate for the term of the loan.
⁴ After the fixed period the interest rate will revert to the Optimum Standard Variable Reference Rate (currently 4.70% p.a., Comparison Rate 4.70% p.a.).
⁵ At the end of the discounted period the interest rate will revert to our Standard Investment Variable Home Loan rate (currently 5.50% p.a., Comparison Rate 5.50% p.a.).
⁶ A discount of 0.40% is applied to the advertised Standard Investment Variable Home Loan Rate for the term of the loan.
⁷ 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.
⁸ After the fixed period the interest rate will revert to our Optimum Investment Standard Variable Reference rate (currently 5.50% p.a., Comparison Rate 5.50% p.a.).