Home Loan Interest Rates

Effective Wednesday, 15 November 2023

Owner Occupied Home Loans	Interest Rate	Comparison Rate
Standard Variable Rate Home Loan	6.60% p.a.	6.60% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Standard Variable Home Loan (12 month discount)	5.14% p.a.	6.45% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Intro Discounted Standard Variable Home Loan	6.20% p.a.	6.56% 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	6.15% p.a.	6.55% 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	5.69% p.a.	6.42% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum 3 Year Fixed Rate Home Loan	5.69% p.a.	6.34% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Standard Variable Reference Rate	6.60% p.a.	6.60% 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	6.90% p.a.	6.90% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Investment Standard Variable Home Loan (12 month discount)	5.14% p.a.	6.72% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Investment Standard Variable Home Loan (Term of the Loan)	6.50% p.a.	6.50% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Investment Home Loan - Interest Only	6.90% p.a.	6.90% 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	6.15% p.a.	6.82% 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	5.69% p.a.	6.66% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investor 3 Year Fixed Home Loan	5.69% p.a.	6.55% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investment Standard Variable Reference Rate	6.90% p.a.	6.90% 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 6.60% p.a., Comparison Rate 6.60% p.a.).
³ After the fixed period the interest rate will revert to the Optimum Standard Variable Reference Rate (currently 6.60% p.a., Comparison Rate 6.60% p.a.).
⁴ At the end of the discounted period the interest rate will revert to our Standard Investment Variable Home Loan rate (currently 6.90% p.a., Comparison Rate 6.90% 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 6.90% p.a., Comparison Rate 6.90% p.a.).