If you’re keen to find a better home loan and do more with your money, Credit Union SA local lending specialists can help find the loan to suit your needs.
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Refinancing is when you move your home loan from one lender to another. You might do this to get a better interest rate, better loan features, better service… any reason at all really! Be careful though, as there may be some Help me refinance my Home Loan.
Struggling to save up enough of a deposit to buy your first home or first investment property? Then our Family Guarantee could be just the thing to get you into a place you can call your own. Our Family Guarantee enables first home buyers with limited savings to enter the property market sooner*.
Here's how it works – If your parents or other family members have equity in their home, investment property or have a Term Deposit with Credit Union SA, you can use that equity or investment to guarantee a portion of your loan.
Which family members can provide a Family Guarantee?
Credit Union SA will consider the provision of guarantees by other immediate family members where a guarantee from the above-mentioned family members would not be appropriate.
When can a Family Guarantee be used?
Guarantees from family members can only be provided to assist first home buyers/investors to:
- purchase a new property;
- purchase an established property;
- build a new home.
Where a borrower is entitled to a government grant, the entitlement will not be affected by the provision of a Family Guarantee. Family Guarantees will not usually be accepted by the Credit Union where offered to support borrowings for a second/subsequent property or for any other purpose.Download our Family Guarantee Guide
*Subject to responsible lending criteria.
Our car loans offer multiple repayments options. Please check the product details for weekly, fortnightly and monthly options.
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
We’re here to answer any questions you might have – make sure you have your Access Code ready!
400 King William Street, Adelaide has self-service options available to make your life easier.
Mobile Lending Managers
Our Mobile Lending Managers can help our members by phone or email, with video calls now available.
INFORMATION YOU SHOULD KNOW
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.
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination
1. 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.
2. Offer available for new Owner Occupied Principal and Interest loans with minimum new borrowings of $150,000 or more, where the loan to value ratio is 80% or less. Annual Package fee of $395 applies. This offer may be withdrawn at any time.
Visit www.mozo.com.au for more information on Credit Union SA's awards.
* The Variable Home Loan Package ≤70% Special offer requires minimum new borrowings of $150,000 or more where the loan to value ratio is 70% or less. Annual package fee of $395 applies.
☉︎Conditions, fees and lending criteria apply and are available on request. 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.
§︎The Variable Home Loan Package <= 70% Special offer requires minimum new borrowings of $150,000 or more where the loan to value ratio is 70% or less. Annual package fee of $395 applies.
#The Variable Home Loan Package Special offers require minimum new borrowings of $150,000 or more where the loan to value ratio is 80% or less. Annual package fee of $395 applies.
^Available for Family Home Guarantee (FHG) and First Home Guarantee (FHBG) participants who meet the scheme eligibility requirements of Housing Australia Scheme Loans. Interest Only only available for construction, after your construction period your loan will revert to principal and interest.
µ︎Interest only interest rates apply when you request to only repay interest charges on your loan. Interest only are only available where the loan to value ratio is 80% or less. For construction loans, you will only be charged interest only rates if, after your constructions period, your repayments will not be principal and interest repayments.
★︎Available where the loan to value ratio is 97% or less, including capitalised LMI. For package loans, minimum loan amount of $150,000 and an annual package fee of $395 applies.