Home loan · 1yr Fixed
Optimum Fixed Rate Home Loan
6.16%comparison rate p.a. · 6.70% advertised
1yr Fixed · P&I · Owner-occupier
1st of 50 1-year fixed owner-occupier P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- 1yr Fixed · P&I · Owner-occupier
- 6.16% comparison · 6.70% advertised
- 1yr Fixed · P&I · Investor
- 6.43% comparison · 6.70% advertised
- 2yr Fixed · P&I · Owner-occupier
- 6.27% comparison · 6.94% advertised
- 2yr Fixed · P&I · Investor
- 6.51% comparison · 6.94% advertised
- 3yr Fixed · P&I · Owner-occupier
- 6.31% comparison · 6.84% advertised
- 3yr Fixed · P&I · Investor
- 6.56% comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Optimum Fixed Rate Home Loan · 1yr Fixed · P&I · Owner-occupier
- RBA cash rate
No changes recorded for this product since tracking began on 26 October 2026.
Also from SWSbank: Standard Variable Rate Home Loan 6.10% · Investment Standard Variable Home Loan 6.40% · Investment Home Loan - Interest Only 6.40%
As of 2 November 2026, the SWSbank Optimum Fixed Rate Home Loan's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.16% (6.70% advertised), ranking 1st of 50 1-year fixed owner-occupier P&I loans. The product comes in 6 variants; the others are investor and other fixed terms. From the provider's Consumer Data Right feed, refreshed nightly.