Here’s everything you need to know about our cashback offer and home loans.

So, you’re thinking about choosing our $2,500 Cashback3 Home Loan Special Offer over our Reduced Rate4 Home Loan Special Offer? Awesome!

To be eligible for the cashback3 offer you must be:

  • Refinancing your home or investment property from another financial institution to us with over $250,000 left on the loan, and with a loan to value ratio (LVR) of 80% or less; or
  • Buying or building a home or investment property, borrowing at least $250,000 with a LVR of 80% or less.

Quick and easy application

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

Cashback or reduced rate

Choose between a $2,500 cashback3 or a reduced rate4.

No loan application fees or monthly fees

You won’t be stung with any hidden fees. Learn more

Flexible repayment options

Weekly, fortnightly or monthly.

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

The costs of buying a home

There are many costs involved in buying a home, so it’s important to factor them all into your budget when working out how much you need to borrow.

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.

Learn more

Home Loan 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

Loan Comparison Calculator

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

Calculate now

Explore our home loans

The cashback offer is available on all our home loans except Fixed Rate Special Offers and bridging loans. Check them out.

Home Loans

Credit Union SA Home Loans can help you refinance your current loan, buy your first home or even your next home. Apply online or let our lenders visit you

Learn more

Home Loan Rates

Credit Union SA’s competitive home loan rates can help you into your first home, next home or save you money by refinancing

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Home Loan Fees

Any Home Loans fees for Credit Union SA's can be found here.

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Compare Home Loans

Find which Home Loan suits your needs and requirements, by comparing all of Credit Union SA's Home Loans right here.

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FREQUENTLY ASKED QUESTIONS
View all Loans FAQs

Yes, the cashback is available Australia-wide.

The cashback offer is available on all our home loans, provided you meet the eligibility criteria.

You can get the $2,500 cashback for a new house, an existing property, a block of land, an investment property or if you’re switching (refinancing) to us from somewhere else, provided you meet the eligibility criteria.

The $2,500 cashback offer is available when you apply for one of our home loans either online, over the phone or in person, provided you meet the eligibility criteria.

Yes, the $2,500 cashback offer is available to investors, provided you meet the eligibility criteria.

Yes, the $2,500 cashback offer is available with Interest Only loans, provided you meet the eligibility criteria.

You will receive cashback into your nominated account as soon as practical after your home loan settlement (generally on the same day).

No, we’re giving you the opportunity to choose one or the other based on what best suits your needs.

INFORMATION YOU SHOULD KNOW

1

Offers valid as at 07/01/2022 are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change.

2

Lending criteria, fees and conditions apply and are available upon request.

3

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.

4

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.

5

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