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Home Loans

Home Loan Package

The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal LoansTerm Deposits and more.

You pay just one annual fee of $395 and in return you’ll save an absolute bundle.

Home loan savings

Savings on other products

Plus, as a Credit Union SA member you receive:

Limited time offer!

Plus, for a limited of time we’re letting you choose between a $2,500 cashback* or a reduced rate when you take out an eligible home loan with us. Find out more.


Home Loan Offset Account

Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans. This offers all the convenient day-to-day banking features you need, but with the huge added advantage of also lowering the amount of interest you pay on your eligible variable rate home loan. It’s completely free from transaction fees+ and there are no monthly fees.

Here's how it works

Let’s say your variable rate home loan balance is $250,000. If you link your Home Loan Offset Account with a balance of $50,000 to your home loan, you will only be charged interest on your home loan based on a $200,000 balance. Over the life of the loan it could save you thousands. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.

Features

Quick and easy application

Our paperless application makes it simple for you to apply online, over the phone or in person.

FREE CoreLogic RP Data property reports

To assist you in your search for the perfect property.

Request a Property Report

Flexible home loan repayment options

Weekly, fortnightly or monthly.

Redraw extra home loan repayments

Any time, and at no cost.

Start your application now

For a home loan that makes you feel at home – get in touch with us today.

Apply online

Start your home loan application online anytime, anywhere.

Details you’ll need to have handy:

  • Your income and living expense details
  • Information about what you own and what you owe.

We’ll call you back within 48 hours to talk you through the next steps.

Apply online now

Connect with a Mobile Lender

Don’t have time to visit us?

No problem. We can come to you!

Simply book an appointment with one of our Mobile Lending Managers at a time and place that suits you.

Make an appointment

Call or visit us

We're here to help.

Call us on (08) 8202 7777

  • Monday to Friday 8am – 8pm (ACST)
  • Saturdays 8am – 2pm (ACST)

Visit us at 400 King William Street, Adelaide

  • Monday to Friday 8am – 5.30pm (ACST)
  • Saturdays 10am – 2pm (ACST) 
  • Sunday – Closed

Owner Occupied Special Offer Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed Home Loan Package^1 1.99% pa 3.59% pa
2 Year Fixed Home Loan Package^1 1.89% pa 3.46% pa
3 Year Fixed Home Loan Package^1 1.94% pa 3.37% pa
4 Year Fixed Home Loan Package^1 2.39% pa 3.41% pa
5 Year Fixed Home Loan Package^1 2.59% pa 3.43% pa

Investment Special Offer Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
2 Year Fixed Home Loan Package^1 2.19% pa 3.87% pa
2 Year Fixed Home Loan Package - Interest only^1# 2.39% pa 4.06% pa
3 Year Fixed Home Loan Package^1 2.19% pa 3.75% pa
3 Year Fixed Home Loan Package - Interest only^1# 2.39% pa 3.94% pa
4 Year Fixed Home Loan Package^1 2.65% pa 3.78% pa
5 Year Fixed Home Loan Package^1 2.75% pa 3.75% pa

Special Offer Variable Home Loan Package for Owner Occupied and Investment Home Loans

Product Name Interest Rate Comparison Rate
Variable Home Loan Package (where no cashback is taken)^† 2.34% pa 2.78% pa
Variable Home Loan Package^2 2.59% pa 3.02% pa
Variable Home Loan Package - Interest only^#2 3.19% pa 3.60% pa

Special Offer Low Deposit Variable Home Loan Package

Product Name LVR Interest Rate Comparison Rate
Owner Occupied Low Deposit Variable Home Loan Package^3 0.00% - 95.00% 2.99% pa 3.41% pa
Investment Low Deposit Variable Home Loan Package^3 0.00% - 90.00% 2.99% pa 3.41% pa

Owner Occupied Variable Home Loan Package

Product Name Interest Rate Comparison Rate
Variable Home Loan Package^ 3.29% pa 3.70% pa
Variable Home Loan Package - Interest only^# 3.84% pa 4.24% pa

Owner Occupied Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^* 2.59% pa 3.64% pa
1 Year Fixed - Interest only^#* 3.64% pa 4.22% pa
2 Year Fixed^* 2.59% pa 3.58% pa
2 Year Fixed - Interest only^#* 3.64% pa 4.20% pa
3 Year Fixed^* 2.59% pa 3.53% pa
3 Year Fixed - Interest only^#* 3.64% pa 4.19% pa

Investment Variable Home Loan Package

Product Name Interest Rate Comparison Rate
Variable Home Loan Package^ 3.74% pa 4.14% pa
Variable Home Loan Package - Interest only^# 3.94% pa 4.34% pa

Investment Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^* 2.59% pa 4.04% pa
1 Year Fixed - Interest only^#* 2.79% pa 4.23% pa
2 Year Fixed^* 2.59% pa 3.94% pa
2 Year Fixed - Interest only^#* 2.79% pa 4.13% pa
3 Year Fixed^* 2.59% pa 3.85% pa
3 Year Fixed - Interest only^#* 2.79% pa 4.04% pa

Fees

Fee Amount
Application Fee$0
Redraw Fee$0
Package Fee$395

Calculators

The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.

The Home Loan Repayment calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.

Compare two different loans using their individual honeymoon rates, upfront fees, monthly fees and discharge fees.

The Buying and Selling Costs calculator will calculate the costs of buying and selling, including real estate agent costs and stamp duty.

Offers valid as at 27/07/2021 are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change.

^You must hold, or be approved for, total Package borrowings of at least $150,000. Conditions and annual package fee of $395 applies.

#Interest only interest rates apply when you request to only repay interest charges on you loan. For construction loans, you will only be charged interest only interest rates if, after your construction period, your repayments will not be principal & interest repayments.

1This offer is available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less. Bridging and construction loans are not eligible for this offer.

2This offer is available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less. Bridging loans are not eligible for this offer. 

3Requires minimum new borrowings of $150,000 or more where the loan to value ratio is 95% or less for owner-occupied loans and 90% or less for investment loans. This offer is available only to first home buyers, Education Community members and Workplace Banking Benefits members. This offer is limited and may be withdrawn at any time.

Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

+We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation. 

*Cashback offer available on any owner-occupied or investment loan with minimum new borrowings of $250,000 where the loan to value ratio is 80% or less. Funds available at settlement, except in the case of construction loans where cashback will be paid on confirmation that the foundation has been poured. Limit of one cashback per household. Not available on fixed rate special offers and bridging loans.

Offer available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less and no cashback is taken. Not available on fixed rate special offers and bridging loans. 

Conditions, fees and lending criteria apply and are available on request. 

Download a copy of our Home Loan Interest Rates, Fees and Charges.

The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/tmd

LVR=Loan to Value Ratio.