Home Loan Interest Rates

Effective Tuesday, 3 June 2025

Owner Occupied Home Loans	Interest Rate	Comparison Rate
Standard Variable Rate Home Loan	6.10% p.a.	6.10% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Intro Discounted Standard Variable Home Loan	5.70% p.a.	6.06% 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	5.64% p.a.	6.05% 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	5.44% p.a.	5.97% 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	5.34% p.a.	5.89% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Premium 'Special' 3 Year Fixed Rate Home Loan	4.99% p.a.	5.79% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Standard Variable Reference Rate	6.10% p.a.	6.10% 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	6.40% p.a.	6.40% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Discounted Investment Standard Variable Home Loan (First 12 months of the loan)	6.00% p.a.	6.36% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Investment Home Loan - Interest Only	6.40% p.a.	6.40% 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	5.64% p.a.	6.32% 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	5.44% p.a.	6.21% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investor 3 Year Fixed Rate Home Loan	5.44% p.a.	6.13% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Premium 'Special' 3 Year Fixed Rate Investment Home Loan	4.99% p.a.	6.00% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.
Optimum Investment Standard Variable Reference Rate	6.40% p.a.	6.40% p.a.	This comparison rate is calculated based on a loan amount of $150,000 over 25 years.

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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 6.35% p.a., Comparison Rate 6.35% p.a.).
³ After the fixed period the interest rate will revert to the Optimum Standard Variable Reference Rate (currently 6.35% p.a., Comparison Rate 6.35% p.a.).
⁴ A discount of 0.40% is applied to the advertised Standard Investment Variable Home Loan Rate for the first 12 months of the loan. At the end of the discounted period the interest rate will revert to our Standard Investment Variable Home Loan rate (currently 6.65% p.a., Comparison Rate 6.65% p.a.).
⁵ 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.
⁶ After the fixed period the interest rate will revert to our Optimum Investment Standard Variable Reference rate (currently 6.65% p.a., Comparison Rate 6.65% p.a.).