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Flexible Choice Owner Occupied
bankWAW's Flexible Choice Owner Occupied is a home loan. The figures are the ones bankWAW publishes under the Consumer Data Right today. The advertised rate last moved on 12 October 2026, up from 6.05% to 6.30%.
Advertised rate
6.30%
headline tier
Comparison rate
6.84%
as published
Last moved
+0.25pp
12 October 2026
Advertised rate, last 30 days. Between 6.05% and 6.30% over the last 30 days.
Every current rate (12)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 3 years, Owner occupier, P&I, LVR up to 60%<60% LVR | 6.30% | 6.84% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 60%<60% LVR | 6.35% | 6.91% |
| Fixed 3 years, Owner occupier, P&I, LVR 60 to 80%60-80% LVR | 6.40% | 6.87% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 60%<60% LVR | 6.45% | 6.98% |
| Fixed 2 years, Owner occupier, P&I, LVR 60 to 80%60-80% LVR | 6.45% | 6.93% |
| Introductory 3 years, Owner occupier, P&I, LVR up to 80% | 6.49% | 7.07% |
| Fixed 1 year, Owner occupier, P&I, LVR 60 to 80%60-80% LVR | 6.55% | 6.99% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 60%<60% LVR | 6.70% | 6.93% |
| Fixed 4 years, Owner occupier, P&I, LVR 60 to 80%60-80% LVR | 6.80% | 6.97% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 60%<60% LVR | 6.80% | 6.95% |
| Fixed 5 years, Owner occupier, P&I, LVR 60 to 80%60-80% LVR | 6.90% | 7.00% |
| Variable, Owner occupier, P&I, LVR up to 80%<=80% LVR | 7.24% | 7.29% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Home loan application fee - new applicationswhen it happens | $600 |
| Loan discharge fee registration or settlementwhen it happens: Plus out of pocket expenses | $250 |
| Home loan top up fee existing loanwhen it happens | $300 |
| Loan substitution of property mortgage feeupfront | $300 |
| Loan variation feewhen it happens | $600 |
| Loan valuation feeper cash advance | $0 |
| Loan legal fees, valuations, surveys, and settlement feesper cash advance | $0 |
| Fixed rate lock in feeupfront: borrowed amount | see lender |
| Loan offset service feerecurring | $6 |
| Loan redraw facility fee onlineper transaction | $10 |
| Loan redraw facility fee over counterper transaction | $20 |
Other bankWAW home loans
Back to Basics Owner Occupied 6.04%Back to Basics Investment 6.29%Home Equity Loan Investment 6.34%Home Equity Loan Owner Occupied 6.34%Flexible Choice Investment 6.55%
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