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Home Loans

Fixed Rate Home Loans

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.


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.

FREE CoreLogic RP Data property reports

To assist you in your search for the perfect property.

Request a Property Report

Owner Occupied Fixed Rate Home Loans

Product Name Interest Rate Comparison Rate
1 Year Fixed 4.49% pa 5.34% pa
1 Year Fixed - Interest only# 4.79% pa 5.64% pa
2 Year Fixed 4.29% pa 5.22% pa
2 Year Fixed - Interest only# 4.59% pa 5.52% pa
3 Year Fixed 4.29% pa 5.13% pa
3 Year Fixed - Interest only# 4.59% pa 5.43% pa

Investment Fixed Rate Home Loan

Product Name Interest Rate Comparison Rate
1 Year Fixed 4.74% pa 5.70% pa
1 Year Fixed - Interest only# 5.04% pa 6.01% pa
2 Year Fixed 4.54% pa 5.57% pa
2 Year Fixed - Interest only# 4.84% pa 5.88% pa
3 Year Fixed 4.54% pa 5.47% pa
3 Year Fixed - Interest only# 4.84% pa 5.78% pa


Fee Amount
Application Fee$600
Monthly Fee$0
Redraw Fee$0

Want to do more with your money?

Looking for rates with a little more flexibility? Check out our competitive Standard Variable Home Loan rates.

The ultimate in savings and flexibility. The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa credit cards, personal loans, investments and more.

Everything you get from everything we have. Compare the features and benefits of our current Home Loans that are available.


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.

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

Lending criteria, fees, conditions apply and are available upon request. Interest rates are current as at 5/12/2017 and are subject to change. Comparison rates are based on a $150,000 secured loan over 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 you loan. For construction and bridging loans, you will only be charged interest only interest rates if, after your construction or bridging period, your repayments will not be principal & interest repayments.

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