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Optima Home Loan

The Optima Home Loan is a fully featured loan perfect for those who are purchasing their first home, or for the seasoned investor looking for their next property or equity release.

Features include no ongoing fees, free redraw through phone or internet banking and the ability to make extra repayments at any time.

Borrower type
  • Individuals
  • Companies
  • Trusts 
Loan purpose
  • Purchase of owner occupied and investment properties
  • Debt consolidation
  • Refinance
  • Construction
  • Vacant land
  • Equity release
Loan term 5 - 30 years
Deposit requirements Borrow up to 90% of the purchase price
Rate type
  • fixed and variable
Repayment type
  • Principal & interest
  • Interest only
Repayment options
  • Salary credit
  • BPAY
  • Direct debit
Repayment frequency
  • Weekly
  • Fortnightly
  • Monthly
Pro Pack option available Yes. 0.10% rate discount available for an annual fee of $330
Ongoing fees No (unless Pro Pack option is selected. Then annual fee of $330 applies)
Features
  • Additional repayments*
  • Loan portability
  • Internet and phone banking
  • Redraw*
  • Split rate
  • Split product with LOC

®BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518    * Not available during fixed rate period
All applications are subject to normal lending criteria, fees and charges may apply.

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