Woolworths Team Bank
Plain and Simple Home Loan Owner Occupied
Plain and Simple Home Loan Owner Occupied
Home loansBank updated 3 July 2026
At a glance
- Variable (owner occ. P&I)
- 6.24% · 6.33% comparison
- Fixed
- 1 yr 6.24% · 2 yrs 6.14% · 3 yrs 6.04%
- Max LVR
- 90%
- Features
- redraw
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed12 months | Owner occupied · P&I | 1 yr fixed | 100–80% LVR | 6.24% | 6.06% | — |
| Fixed24 months | Owner occupied · P&I | 2 yrs fixed | 100–80% LVR | 6.14% | 6.07% | — |
| Fixed36 months | Owner occupied · P&I | 3 yrs fixed | 100–80% LVR | 6.04% | 6.06% | — |
| Variable | Owner occupied · P&I | — | 100–80% LVR | 6.24% | 6.33% | — |
| Variable | Owner occupied · P&I | — | 80–90% LVR | 7.04% | 7.13% | — |
§ 02 — Fees · 16
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ARREARS_LETTER_FEE | Transaction | $25 | — | — |
| DEFAULT_NOTICE | Transaction | $35 | — | — |
| FIELD_CALL_FEE | Transaction | No fee | — | At cost |
| MANUAL_REDRAW_FEE | Transaction | $20 | — | — |
| DOCUMENT_PREPARATION_FEE | Upfront | $299 | — | — |
| FIXED_LOAN_DOCUMENT_PREPARATION_FEE | Upfront | $299 | — | — |
| LOAN_VARIATION_FEE | Upfront | $200 | — | — |
| MORTGAGE_DISCHARGE_FEE | Upfront | $550 | — | — |
| MORTGAGE_SETTLEMENT_FEE | Upfront | $275 | — | — |
| MORTGAGE_SUBSTITUTION_FEE | Upfront | $275 | — | — |
| MORTGAGE_TOP_UP_FEE | Upfront | $275 | — | — |
| PARTIAL_MORTGAGE_DISCHARGE_FEE | Upfront | $275 | — | — |
| GOVT_FEES | Variable | No fee | — | — |
| LEGAL_FEES | Variable | No fee | — | — |
| STAMP_DUTY | Variable | No fee | — | — |
| VALUATION_FEE | Variable | No fee | — | — |
§ 03 — Features
Redraw
§ 04 — Eligibility & 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.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Woolworths Team Bank under the Consumer Data Right, last changed by them on 3 July 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.