Home loan · Variable
Standard Variable Rate Home Loan
6.10%comparison rate p.a. · 6.10% advertised
Variable · P&I · Owner-occupier
2nd of 93 variable owner-occupier P&I loans
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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier
- 6.10% comparison · 6.10% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Standard Variable Rate Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
No changes recorded for this product since tracking began on 26 October 2026.
Also from SWSbank: Optimum Fixed Rate Home Loan 6.16% · Investment Standard Variable Home Loan 6.40% · Investment Home Loan - Interest Only 6.40%
As of 1 November 2026, the SWSbank Standard Variable Rate Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.10% (6.10% advertised), ranking 2nd of 93 variable owner-occupier P&I loans and sitting 0.48 points below the market average of 6.58%. From the provider's Consumer Data Right feed, refreshed nightly.