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SWSbank · Home loans
Optimum 3 Year Fixed Rate Home Loan
SWSbank's Optimum 3 Year Fixed Rate Home Loan is a home loan. The figures are the ones SWSbank publishes under the Consumer Data Right today. The advertised rate last moved on 17 June 2026, up from 6.10% to 6.84%.
Advertised rate
6.84%
headline tier
Comparison rate
6.31%
as published
Last moved
+0.74pp
17 June 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (2)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 6.10% | |
| Fixed 3 years, Owner occupier, P&I | 6.84% | 6.31% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Service feewhen it happens: SWSCU service fee for searches | $9 |
| Land title search feewhen it happens: Payable to Third Party | $17.10 |
Other SWSbank home loans
Intro Discounted Standard Variable Home Loan 5.70%Standard Variable Rate Home Loan 6.10%Investment Home Loan - Interest Only 6.40%Investment Standard Variable Home Loan 6.40%Optimum 1 Year Fixed Rate Home Loan 6.70%Optimum Investor 1 Year Fixed Rate Home Loan 6.70%Optimum 2 Year Fixed Rate Home Loan 6.94%Optimum Investor 2 Year Fixed Rate Home Loan 6.94%Optimum Investor 3 Year Fixed Rate Home Loan 6.94%
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