Interest rate *
2.34 % p.a.
Comparison rate *
2.78 % p.a.
Application fee *
$0
Monthly fees *
$0
Our Special Offer Investment Home Loans can help you save more, so you can maximise your returns and reach your financial goals sooner.
Special Home Loan Offers
Investment Fixed Home Loan Packages
Enjoy the certainty of knowing your repayments each month, plus Visa Credit Card annual fee waivers, discounted Personal Loan rates and more.
Investment 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.
Investment Discounted Variable Rate Home Loan
Enjoy a competitive variable rate and the freedom to make extra repayments, so you can pay off your loan quicker.
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
No loan application fees or monthly fees
Special Offer Investment Fixed Home Loan Package
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Fixed Rate Package - 2 Year - Principal & Interest - Investment☉︎§︎#^ | 3.79% p.a. | 4.15% p.a. |
| Fixed Rate Package - 3 Year - Principal & Interest - Investment☉︎§︎#^ | 4.35% p.a. | 4.30% p.a. |
| Fixed Rate Package - 4 Year - Principal & Interest - Investment☉︎§︎#^ | 4.60% p.a. | 4.43% p.a. |
| Fixed Rate Package - 5 Year - Principal & Interest - Investment☉︎§︎#^ | 4.69% p.a. | 4.53% p.a. |
Investment Special Offer Variable Home Loan Package
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Variable Home Loan Package LVR 85% Special Offer - Principal & Interest - Investment☉︎§︎^µ︎ | 1.98% p.a. | 2.43% p.a. |
| Variable Home Loan Package - where no cashback taken - Principal & Interest - Investment★︎☉︎§︎#^ | 2.19% p.a. | 2.63% p.a. |
| Variable Home Loan Package - Special Offer - Principal & Interest - Owner Occupied☉︎§︎#^☆︎ | 2.44% p.a. | 2.88% p.a. |
| Variable Home Loan Package - Special Offer - Interest Only - Owner Occupied☉︎§︎♠︎#^ | 3.04% p.a. | 3.46% p.a. |
Investment Special Offer Discounted Variable Home Loan
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Discounted Variable Rate Home Loan LVR 85% Special offer - Principal & Interest - Investment☉︎^µ︎ | 1.98% p.a. | 2.00% p.a. |
| Discounted Variable Rate Home Loan - where no cashback is taken - Principal & Interest - Owner Occupied★︎☉︎§︎♙︎^ | 2.19% p.a. | 2.21% p.a. |
| Discounted Variable Rate Home Loan - Special offer - Principal & Interest - Owner Occupied☉︎§︎♙︎^☆︎ | 2.44% p.a. | 2.46% p.a. |
| Discounted Variable Rate Home Loan - Special offer - Interest Only - Owner Occupied☉︎§︎♠︎♙︎^ | 3.04% p.a. | 3.06% p.a. |
Investment Special Offer Low Deposit Variable Home Loan Package
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Low Deposit Variable Home Loan Package Special Offer - Principal & Interest - Investment☉︎★︎^ | 2.34% p.a. | 2.78% p.a. |
Start your application now
For a home loan that makes you feel at home – get in touch with us today.
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.
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.
Help me purchase an investment property
Choosing the right home loan depends on your immediate and future needs, so it’s worth taking some time to think about your essential requirements and prioritise loan features accordingly. The loan type that offers the most of your priorities wins!
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.
Our Variable Home Loan Package Special Offer has also won Best Packaged Home Loan at Mozo’s 2020 Expert Choice Awards.
- 2020 Mozo Expert Choice Awards - Best Small Credit Union
- 2020 Mozo Expert Choice Awards - Best Packaged Home Loan
- 2018 Canstar – a 5-Star Rating for Outstanding Value
- 2018 Mozo Experts Choice
- 2017 Mozo Experts Choice
- 2016 Mozo Experts Choice
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’.
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.
FREQUENTLY ASKED QUESTIONS
View all Loans FAQsGenerate 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.
Yes, the $2,500 cashback offer is available to investors, provided you meet the eligibility criteria.
The cashback offer is available on all our home loans, provided you meet the eligibility criteria.
Yes, the reduced rate offer is available to investors, provided you meet the eligibility criteria.
The reduced rate offer is only available on our Discounted Variable Rate Home Loan and our Variable Home Loan Package.
Great news! There are no monthly fees with any of our Home Loans. We have a home loan to suit just about any need you might have so the application fee will depend on the type of loan or loan package you select.
You can apply for a home loan through any of the following methods:
Or,
- Make an appointment with one of our Mobile Lending Managers
- Fill in the application form and send to us by fax or post
- Call one of our Home Loans Specialists on (08) 8202 7777 or 1800 018 227 (Country SA)
- Visit us at 400 King William Street, Adelaide to speak to one of our Home Loan Specialists.
GUIDES AND NEWS
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
Call us
We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
400 King William Street, Adelaide has self-service options available to make your life easier.
Mobile Lending Managers
Our Mobile Lending Managers can help our members by phone or email, with video calls now available.
INFORMATION YOU SHOULD KNOW
☉︎
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.§︎
You must hold, or be approved for, total Package borrowings of at least $150,000. Conditions and annual package fee of $395 applies.#
This offer is available on new loans with minimum new borrowings of $150,000. Bridging and construction loans are not eligible for this offer.^
Offers valid as at 28/03/2022 are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change.µ︎
Requires minimum new borrowings of $500,000 or more where the loan to value ratio is 85% or less for owner-occupied loans or investment loans.★︎
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.☆︎
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.♠︎
Interest only interest rates apply when you request to only repay interest charges on your loan. Interest only are 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 construction period, your repayments will not be principal and interest repayments.♙︎
This offer is available on new loans with minimum new borrowings of $150,000. Bridging loans are not eligible for this offer.1
Download a copy of our Home Loan Interest Rates, Fees and Charges.
2
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