Team Member Home Loan - No Offset

Home loansBank updated 7 Oct 2026

Apply at Woolworths Team Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (owner occ. P&I): 6.19%6.28% comparison
Fixed: 1 yr 6.64%, 2 yrs 6.79%, 3 yrs 6.69%
Max LVR: 80%
Features: redraw

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 6.38%

6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 6.19%Every other institution's lowest, 103 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Variable home loanOwner occupier, principal & interest, 80% LVR	6.19%	5.93%SCCU's BROKER HOME LOAN	6.38%of 104 institutions	16th lowest of 104, level with 6 others
1-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.64%	5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M	6.59%of 82 institutions	43rd lowest of 82, level with 2 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.79%	6.09%BankVic's Fixed Rate Home Loan - 2 years	6.62%of 84 institutions	51st lowest of 84, level with 6 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.69%	6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package	6.69%of 80 institutions	37th lowest of 80, level with 5 others

Rates

Every rate Woolworths Team Bank publishes for this home loan, 4 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

Variabletypical 6.38%6.19%
1 yr fixedtypical 6.59%6.64%
2 yrs fixedtypical 6.62%6.79%
3 yrs fixedtypical 6.69%6.69%

This home loanTypical lender's best

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed12 months	Owner occupied, P&I	1 yr fixed	50–80% LVR	6.64%	6.33%	-
Fixed24 months	Owner occupied, P&I	2 yrs fixed	50–80% LVR	6.79%	6.40%	-
Fixed36 months	Owner occupied, P&I	3 yrs fixed	50–80% LVR	6.69%	6.42%	-
Variable	Owner occupied, P&I	-	50–80% LVR	6.19%	6.28%	-

Rate changes

5 changes logged, newest first.

Date	Rate	Was	Now	Change
8 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, 50–80% LVR	6.19%	6.64%	up 0.45
8 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 50–80% LVR	6.34%	6.79%	up 0.45
8 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 50–80% LVR	6.24%	6.69%	up 0.45
8 Oct 2026	Variable, Owner occupied, P&I, 50–80% LVR	5.94%	6.19%	up 0.25
26 Sept 2026	Fixed, Owner occupied, P&I, 1 yr fixed, 50–80% LVR	5.99%	6.19%	up 0.20

Each change is logged the night it appears in the rates Woolworths Team Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

15 fees published, grouped by when they're charged.

When you take it out7

DOCUMENT_PREPARATION_FEE
$299
LOAN_VARIATION_FEE
$200
MORTGAGE_DISCHARGE_FEE
$550
MORTGAGE_SETTLEMENT_FEE
$275
MORTGAGE_SUBSTITUTION_FEE
$275
MORTGAGE_TOP_UP_FEE
$275
PARTIAL_MORTGAGE_DISCHARGE_FEE
$275

When you make a transaction4

ARREARS_LETTER_FEE
$25
DEFAULT_NOTICE
$35
FIELD_CALL_FEE
At cost
No fee
MANUAL_REDRAW_FEE
$20

Other fees4

GOVT_FEES
No fee
LEGAL_FEES
No fee
STAMP_DUTY
No fee
VALUATION_FEE
No fee

Features

Redraw

Eligibility and limits

Minimum age 18
Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.

Compare it with others

All home loans Other Woolworths Team Bank home loans Everything Woolworths Team Bank publishes

Put this product through a calculator

Published by Woolworths Team Bank under the Consumer Data Right, last changed by them on 7 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.