Applying for a home loan
You can now complete your home loan application securely online and in your own time (pretty amazing, right?).
We even have local support on hand 6 days a week, if you need to get in touch.
You could go with this or you could go with that…
Whether you're still looking for your dream home and want to apply for pre-approval, ready to buy and want to apply for a home loan, or looking to refinance and get a better deal, our online home loan form has you covered.
Online Home Loan Application
If you’re ready to buy a home or refinance, then our online home loan application form is the best place to be.
You'll need to set aside a bit of time and have some details on hand before you start.
What you need to complete your online application
To make the application process as quick and easy as possible, here’s everything you’ll need to provide when you apply for a home loan with us.
Personal information
- Basic personal details including mobile number, email address, home address, etc.
- 100 points of identification (e.g. Australian driver licence, Medicare card, Passport, Australian birth certificate)
- Your living arrangements and number of dependants.
Employment
Current employment and employment history for the past 3 years.
Income
Current income and income history for the past 3 years.
What you owe
Information about any loans or debts you currently owe, including:
- Home loans
- Investment loans
- Personal or car loans
- Overdrafts
- Credit cards
- Store cards
- Afterpay, Zip Pay, etc.
- Loans related to study
You will need to include interest rates and total amounts left owing on any loans.
What you own
Information about any property, vehicles, savings or shares you own.
Living expenses
A breakdown of your monthly household expenses, including:
- Housing and property expenses (including utilities)
- Phone and internet accounts
- Groceries
- Recreation and entertainment.
- Clothing, footwear, cosmetics, etc.
- Medical and health
- Transport
- Education
- Childcare
- Insurance
Your home loan goals
Our Home Loan Specialists will help you find the best home loan for your goals and needs. But to start the process off we’ll ask you to tell us a little about what you’re looking for, including:
- A new home loan or refinancing an existing home loan
- An investment property or a home to live in
- Type of loan – fixed, variable, split
- How much you would like to borrow
What we do next
Follow up
Once we’ve reviewed your application, one of our Home Loan Specialists will be in touch within 24-48 hours to confirm your details and discuss your overall home loan needs and objectives.
Valuation
Once we have the address of your new property, we’ll then carry out a valuation on your property if we need too.
Verifications
If your application progresses, we’ll may ask you to provide certified copies of your identification documents so we can check the details you included in your application form. Don’t worry, it’s quick and easy, you can upload your documents through your unique loan tracker and if you aren’t sure who can certify your documents you can check out this form. A Credit Union SA Home Lender can also help you with certifying your original documents.
You can view the status of your application and keep up to date with documents and any further information required in your unique loan tracker too.
We’ll also need to verify your employment details with your employer, however before we review your documents, and carry out your employment check, we should be able to confirm if you’ve been conditionally approved.*
Assessment
Once we have determined that we have all the information we need from you, it can vary depending on your personal situation, your application is assessed to make sure your loan repayments won’t put you under financial stress.
Approval
It’s official! Once everything is all good from our end, we’ll confirm your loan is approved and send your home loan contract to you. It’s best to get your contract signed and back to us as soon as you can, but make sure you take the time to review your loan contract carefully and ask questions when you aren’t sure.
Settlement
Once your contract is signed, we will work out a time with you to settle your loan.
Then – guess what? Your new Credit Union SA Home Loan will be up and running and it’s time to enjoy all the benefits (and savings) of having a home loan with us. Whoop whoop!
Who can apply for a Credit Union SA home loan?
Our home loans have some standard lending guidelines that you can check out right now.
To be eligible, you need to:
- be an Australian citizen or Australian Permanent Resident or New Zealand citizen;
- be at least 18 years old;
- currently live in Australia;
- have regular income or self-employed income (sole trader or in a partnership); and
- be outside your probationary period of employment.
Conditions, fees and lending criteria apply and are available on request. Download a copy of our Home Loan Interest Rates and Lending Fees and Charges brochures.
Ready to apply?
Apply now
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, using Web Chat or Secure Mail.
Call us
We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
Our friendly staff at 400 King William Street, Adelaide can help you with all your banking needs.
Make an appointment
Book an appointment with one of our local Home Lending Specialists now.
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.
Conditions, fees and lending criteria apply and are available upon request.
Download a copy of our Home Loan Interest Rates and Lending Fees and Charges.