SWSbank Home Loan Rates & Review

SWSbank as of April 2026

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Link	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Deluxe Special Variable Home Loan	5.35% p.a.	6.02% p.a.	$2,792	Principal & Interest	Variable	$0	$0	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Deluxe Special Investment Variable Home Loan	5.65% p.a.	6.32% p.a.	$2,886	Principal & Interest	Variable	$0	$0	80%	Investor Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Intro Discounted Standard Varaible	5.70% p.a.	6.06% p.a.	$2,902	Principal & Interest	Variable	$0	$0	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Optimum 1 Year Fixed Rate Home Loan (1 year)	5.70% p.a.	6.33% p.a.	$2,902	Principal & Interest	Fixed	$0	$0	80%	Investor Fixed 1 Year Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Optimum 3 Year Fixed Rate Home Loan (3 years)	5.84% p.a.	6.03% p.a.	$2,947	Principal & Interest	Fixed	$0	$0	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Optimum 2 Year Fixed Rate Home Loan (2 years)	5.94% p.a.	6.07% p.a.	$2,978	Principal & Interest	Fixed	$0	$0	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Extra Repayments More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Optimum 2 Year Fixed Rate Home Loan (2 years)	5.94% p.a.	6.31% p.a.	$2,978	Principal & Interest	Fixed	$0	$0	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Investment Discounted Variable	6.00% p.a.	6.36% p.a.	$2,998	Principal & Interest	Variable	$0	$0	80%	Investor Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Standard Variable Home Loan	6.10% p.a.	6.10% p.a.	$3,030	Principal & Interest	Variable	$0	$0	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Home Loan - Standard Variable Investment	6.40% p.a.	6.40% p.a.	$3,128	Principal & Interest	Variable	$0	$0	80%	Investor Variable Principal & Interest 20% Min Deposit More details	More details	Compare
South West Slopes Credit Union Ltd	South West Slopes Credit Union Ltd Home Loan Standard Variable Investment - Interest Only	6.40% p.a.	6.40% p.a.	$2,667	Interest-only	Variable	$0	$0	80%	Investor Variable Interest-only 20% Min Deposit More details	More details	Compare

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Bare Home Loan (Basic OO P&I <90%)

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw

Monthly repayments: $2,931

5.79% Advertised Rate (p.a.)

5.83% Comparison Rate (p.a.)

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Important Information and Comparison Rate Warning

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

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