logo

Credit Union SA Home Loans can help you refinance your current loan, buy your first home or even your next home. 

Apply online or make an appointment with one of our lending specialists.

Frequently asked questions
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.

Refinancing is when you move your home loan from one lender to another. You might do this to get a better interest rate, better loan features, better service… any reason at all really! Be careful though, as there may be some Help me refinance my Home Loan.

Struggling to save up enough of a deposit to buy your first home or first investment property? Then our Family Guarantee could be just the thing to get you into a place you can call your own. Our Family Guarantee enables first home buyers with limited savings to enter the property market sooner*.

Here's how it works – If your parents or other family members have equity in their home, investment property or have a Term Deposit with Credit Union SA, you can use that equity or investment to guarantee a portion of your loan.

Which family members can provide a Family Guarantee?

  • Parents
  • Parents-in-law
  • Step-parents

Credit Union SA will consider the provision of guarantees by other immediate family members where a guarantee from the above-mentioned family members would not be appropriate.

When can a Family Guarantee be used?

Guarantees from family members can only be provided to assist first home buyers/investors to:

  • purchase a new property;
  • purchase an established property;
  • build a new home.

Where a borrower is entitled to a government grant, the entitlement will not be affected by the provision of a Family Guarantee. Family Guarantees will not usually be accepted by the Credit Union where offered to support borrowings for a second/subsequent property or for any other purpose.

To find out more about leveraging the equity in Mum and Dad's home so you can get into yours, have an obligation-free chat with one of our experienced staff, Mobile Managers or download our guide.

Download our Family Guarantee Guide

*Subject to responsible lending criteria.

We offer Home Loan Offset Accounts on our Standard Variable Rate Home Loans and variable loans under a Home Loan Package. To find out more visit the Compare Home Loans page.

You certainly can, and on Variable Rate Home Loans you can make an unlimited amount of extra payments without penalty. For Fixed Rate Home Loans, there are limits as to how much extra you can put in. To find out more visit the Compare Home Loans page.

Our car loans offer multiple repayments options. Please check the product details for weekly, fortnightly and monthly options.

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

It will depend on the type of home loan you choose as to whether an annual fee applies. However, no monthly fees apply to our home loans. Visit our Home Loan Fees Information Page to find out more.

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.

Banking your way

Speak to our local home loan specialists

If you’re keen to find a better home loan and do more with your money, Credit Union SA local lending specialists can help find the loan to suit your needs. Our Mobile Lending Managers and Relationship Managers can assist you by phone, email, video call or home visit and will work with you to determine which option suits you best.

Make an appointment

Make the switch and save

Even a small reduction to your interest rate can save you thousands of dollars over the term of your loan. On top of saving yourself money, there are many reasons why you might consider refinancing your home loan:

  • To borrow some extra money to fund some home improvements.
  • You’re not happy with your current bank and you want to switch to a lender that treats you better.
  • To pay off your loan quicker.
  • To access features and flexibility that weren’t available to you when you applied for your current mortgage.
  • Or you might want to reduce your loan costs by switching to a lower interest rate.

Learn more

How we

can help

Contact us

You can contact us by calling us, visiting us, making an appointment, using Web Chat or Secure Mail.

Call us

We’re here to answer any questions you might have – make sure you have your Access Code ready!

Visit us

Our friendly staff at 400 King William Street, Adelaide can help you with all your banking needs.

Make an appointment

Book an appointment with one of our local Home Lending Specialists now.

INFORMATION YOU SHOULD KNOW

Download a copy of our Home Loan Interest Rates, Lending Fees and Charges, and our Terms and Conditions. Interest rates are subject to change and special offers may be withdrawn at any time.

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.

1. 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.
2. Offer available for new Owner Occupied Principal and Interest loans with minimum new borrowings of $150,000 or more, where the loan to value ratio is 80% or less. Annual Package fee of $395 applies. This offer may be withdrawn at any time.

Visit www.mozo.com.au for more information on Credit Union SA's awards.

*This offer applies to applications in which the loan to value ratio is 60% or less.

If you need to leave our website quickly and safely, use this quick exit button. Learn more about financial abuse.