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Special Offers

Variable Special Offer Home Loan for Owner Occupied and Investment Home Loans

Product NameInterest RateComparison rate
Variable Home Loan Package ≤70% Special Offer - Principal & Interest - Owner Occupied☉︎§︎6.04% p.a.6.41% p.a.
Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupied#^☉︎6.14% p.a.6.51% p.a.
Variable Home Loan Package Special Offer - Principal & Interest - Investment#☉︎6.19% p.a.6.56% p.a.
Variable Home Loan Package Special Offer - Interest Only - Investmentµ︎#☉︎6.24% p.a.6.78% p.a.

Special Offer Low Deposit Variable Home Loan Package

Product NameInterest RateLVRComparison rate
Low Deposit Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupied★︎☉︎6.74% p.a.0.00% - 97.00%7.10% p.a.

Owner Occupied Variable Rate Home Loans

Product NameInterest RateComparison rate
Discounted Variable Rate Home Loan - Principal & Interest - Owner Occupied^☉︎6.94% p.a.6.97% p.a.
Discounted Variable Rate Home Loan - Interest Only - Owner Occupiedµ︎☉︎7.34% p.a.7.14% p.a.
Standard Variable Rate Home Loan - Principal & Interest - Owner Occupied^☉︎7.14% p.a.7.19% p.a.
Standard Variable Rate Home Loan - Interest Only - Owner Occupiedµ︎☉︎9.29% p.a.8.27% p.a.

Investment Variable Rate Home Loans

Product NameInterest RateComparison rate
Variable Home Loan Package - Principal & Interest - Investment★︎☉︎6.59% p.a.6.95% p.a.
Variable Home Loan Package - Interest Only - Investmentµ︎★︎☉︎6.64% p.a.6.95% p.a.
Discounted Variable Rate Home Loan - Principal & Interest - Investment☉︎6.79% p.a.6.82% p.a.
Discounted Variable Rate Home Loan - Interest Only - Investmentµ︎☉︎6.84% p.a.6.84% p.a.
Standard Variable Rate Home Loan - Principal & Interest - Investment☉︎7.39% p.a.7.44% p.a.
Standard Variable Rate Home Loan - Interest Only - Investmentµ︎☉︎7.44% p.a.7.46% p.a.

Owner Occupied

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 Occupiedµ︎★︎☉︎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 Occupiedµ︎★︎☉︎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 Occupiedµ︎★︎☉︎6.79% p.a.6.82% 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 - Investmentµ︎★︎☉︎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 - Investmentµ︎★︎☉︎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 - Investmentµ︎★︎☉︎6.29% p.a.6.85% 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 Occupiedµ︎☉︎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 Occupiedµ︎☉︎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 Occupiedµ︎☉︎7.59% p.a.7.32% p.a.

Investment

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 - Investmentµ︎☉︎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 - Investmentµ︎☉︎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 - Investmentµ︎☉︎7.09% p.a.7.35% p.a.
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

☉︎

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.

§︎

The Variable Home Loan Package <= 70% Special offer requires minimum new borrowings of $150,000 or more where the loan to value ratio is 70% or less. Annual package fee of $395 applies.

#

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.

µ︎

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.

★︎

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.