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Featured Home Loan

Fixed Rate Package - 3 Year - Principal & Interest - Owner Occupied☉︎§︎#

Interest rate

5.99

%

p.a.

Comparison rate

6.61

%

p.a.

Redraw fee *

$0

Perfect if you have a strict budget.

Select your fixed rate period, lock it in and you’ll know exactly what your repayments will be during that time, regardless of any movement in our variable rate.

Don’t worry, though – you‘ll still have flexible options at your disposal to save money and pay off your loan sooner.

Quick and easy application

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

Budgeting certainty

You’ll know exactly what your repayments will be throughout the fixed rate period chosen.

Available with our Home Loan Package

Get a discount on your rate - and big fee savings! Annual package fee and conditions apply.

Ability to make additional repayments

Up to $10,000 each year and redraw at no cost.

Owner Occupied Fixed Home Loan Package

Product NameInterest RateComparison rate
Fixed Rate Package - 1 Year - Principal & Interest - Owner Occupied☉︎§︎#6.64% p.a.6.74% p.a.
Fixed Rate Package - 1 Year - Interest Only - Owner Occupied^☉︎#7.44% p.a.6.82% p.a.
Fixed Rate Package - 2 Year - Principal & Interest - Owner Occupied☉︎§︎#6.19% p.a.6.68% p.a.
Fixed Rate Package - 2 Year - Interest Only - Owner Occupied^☉︎#6.99% p.a.6.82% p.a.
Fixed Rate Package - 3 Year - Principal & Interest - Owner Occupied☉︎§︎#5.99% p.a.6.61% p.a.
Fixed Rate Package - 3 Year - Interest Only - Owner Occupied^☉︎#6.79% p.a.6.82% p.a.

Owner Occupied Fixed Rate Home Loans

Product NameInterest RateComparison rate
Fixed Rate Home Loan - 1 Year - Principal & Interest - Owner Occupied§︎#7.44% p.a.7.22% p.a.
Fixed Rate Home Loan - 1 Year - Interest Only - Owner Occupied^#8.24% p.a.7.31% p.a.
Fixed Rate Home Loan - 2 Year - Principal & Interest - Owner Occupied§︎#6.99% p.a.7.16% p.a.
Fixed Rate Home Loan - 2 Year - Interest Only - Owner Occupied^#7.79% p.a.7.32% p.a.
Fixed Rate Home Loan - 3 Year - Principal & Interest - Owner Occupied§︎#6.79% p.a.7.09% p.a.
Fixed Rate Home Loan - 3 Year - Interest Only - Owner Occupied^#7.59% p.a.7.32% p.a.

Investment Fixed Home Loan Package

Product NameInterest RateComparison rate
Fixed Rate Package - 1 Year - Principal & Interest - Investment☉︎#6.89% p.a.6.98% p.a.
Fixed Rate Package - 1 Year - Interest Only - Investment^☉︎#6.94% p.a.6.98% p.a.
Fixed Rate Package - 2 Year - Principal & Interest - Investment☉︎#6.44% p.a.6.92% p.a.
Fixed Rate Package - 2 Year - Interest Only - Investment^☉︎#6.49% p.a.6.92% p.a.
Fixed Rate Package - 3 Year - Principal & Interest - Investment☉︎#6.24% p.a.6.85% p.a.
Fixed Rate Package - 3 Year - Interest Only - Investment^☉︎#6.29% p.a.6.85% p.a.

Investment Fixed Rate Home Loans

Product NameInterest RateComparison rate
Fixed Rate Home Loan - 1 Year - Principal & Interest - Investment#7.69% p.a.7.47% p.a.
Fixed Rate Home Loan - 1 Year - Interest Only - Investment^#7.74% p.a.7.48% p.a.
Fixed Rate Home Loan - 2 Year - Principal & Interest - Investment#7.24% p.a.7.41% p.a.
Fixed Rate Home Loan - 2 Year - Interest Only - Investment^#7.29% p.a.7.42% p.a.
Fixed Rate Home Loan - 3 Year - Principal & Interest - Investment#7.04% p.a.7.34% p.a.
Fixed Rate Home Loan - 3 Year - Interest Only - Investment^#7.09% p.a.7.35% p.a.

Fixed Rate Home Loan fees

Fee

Amount

Application Fee

$600

Redraw Fee

$0

Settlement Fee

$150

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.

Fixed Rate Home Loan Package fees

Fee

Amount

Application Fee

$0

Redraw Fee

$0

Package Fee

$395

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.

Start your application now

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

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 now

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

FREQUENTLY ASKED QUESTIONS
View all Loans FAQs

The Credit Union SA Home Loan Package is designed to help you save money. It offers a fantastic collection of bundled benefits across Home Loans, Visa credit cards, Personal Loans, Transaction Accounts, Term Deposits and more.

When you're buying or building a home or apartment you intend to live in, it's called an owner occupied property. This includes holiday homes that you don’t rent out and purchases of land on which you intend to build on, to live in. When you're applying for a home loan, you'll need to specify whether you're applying for an owner occupied loan or an investment loan. This distinction can change the interest rate options and loan features available to you.

Providing you redraw a minimum of $500 at a time, you can redraw excess funds at any time for no fees. To find out more visit the Compare Home Loans page.

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?

  • Parents
  • Parents-in-law
  • Step-parents

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.

To find out more about leveraging the equity in Mum and Dad's home so you can get into yours, have an obligation-free chat with one of our experienced staff, Mobile Managers or download our guide.

Download our Family Guarantee Guide

*Subject to responsible lending criteria.

We offer Home Loan Offset Accounts on our Standard Variable Rate Home Loans and variable loans under a Home Loan Package. To find out more visit the Compare Home Loans page.

To check the current Home Loan rates on the different loans available, visit our rates page.

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

Generate a Home Loans Key Facts Sheet (HLKFS) on our website.

A Home Loans Key Facts Sheet (HLKFS) will provide you with information about our standard home loans that you can compare with other financial institutions. To generate one you'll need to select the home loan product type and enter the loan amount and loan term.

Buying your first home can be both exciting and overwhelming.

After all, it’s your first step onto the property ladder and quite possibly your first major investment.

It’s also an expensive and time-consuming process. So even though this is your first house, you should try to ensure that you’ll be happy in it for as long as possible. We have created this guide to help you do exactly that.

Learn more

Calculators

Borrowing Power Calculator

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

Calculate now


Buying and Selling Costs Calculator

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

Calculate now

The credit union difference

At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.

Learn more about us

INFORMATION YOU SHOULD KNOW

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

☉︎

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.

§︎

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.

#

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.

^

Interest only interest rates apply when you request to only repay interest charges on your loan. Interest only is 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.