Featured Home Loan

Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupied☉︎§︎#

Interest rate




Comparison rate




Application fee


Redraw fee


Our Special Offer Owner Occupied Home Loans give you low interest rates with lots of flexibility, so you can pay off your home sooner.

Special Home Loan Offers

Owner Occupied Variable Home Loan Package

Get unlimited fee-free additional repayments, 100% Home Loan Offset Accounts, Visa Credit Card annual fee waivers, discounted Personal Loan rates and more.

Quick and easy application

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

FREE CoreLogic RP Data property reports

Flexible home loan repayment options

Weekly, fortnightly or monthly

We can come to you!

Simply book an appointment with one of our Mobile Lending Managers at a time and place that suits you.

Owner Occupied Special Offer Variable Home Loan Package

Product NameInterest RateComparison rate
Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupied☉︎§︎#6.24% p.a.6.61% p.a.

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

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.

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

The LVR is the loan amount as a percentage of the total value of the property. For example, if you are borrowing $280,000 to purchase a house valued at $350,000 then your LVR is 80%. The maximum LVR that you can borrow up to depends on several factors including the type of loan, the loan amount that you’re applying for and your capacity to make repayments.

You can apply for a home loan through any of the following methods:

Apply online


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.

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.

Home Loan Calculators

We’ve got you sorted with a number of handy calculators that will help you work out exactly what you’ll need to do to achieve your financial goals, whether that be borrowing money, making repayments, or creating a savings plan.

Calculate now

Our Award Winning Home Loans

2020 Mozo Expert Choice Awards

We’re excited to announce that we’ve taken out top honours in the Mozo Expert Choice Awards to be named Australia’s Best Small Credit Union for 2020.

  • 2020 Mozo Expert Choice Awards - Best Packaged Home Loan
  • 2020 Mozo Expert Choice Awards - Best Small Credit Union
  • 2018 Canstar – a 5-Star Rating for Outstanding Value
  • 2018 Mozo Experts Choice
  • 2017 Mozo Experts Choice
  • 2016 Mozo Experts Choice

Read more

Australia’s Best Digital Bank 2020

We have been recognised as Australia’s ‘Best Digital Bank’ for non-major banks at the 2020 DBM Australian Financial Awards. This award acknowledges the hard work of our teams and vendors in delivering the best digital experience to our members.

Credit Union SA had the highest average satisfaction rating of mobile and online banking from their members over January 2019 through December 2019, which is why we were awarded Australia’s ‘Best Digital Bank’.

Read more

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


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


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.


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.