Fixed Rate Home Loans
Featured Home Loan
Package 3 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR ☉︎§︎#^
Interest rate
5.69 % p.a.
Comparison rate
6.59 % p.a.
Redraw fee *
$0
Perfect if you have a strict budget.
Select your fixed rate period, lock it in and you’ll know exactly what your repayments will be during that time, regardless of any movement in our variable rate.
Don’t worry, though – you‘ll still have flexible options at your disposal to save money and pay off your loan sooner.
Quick and easy application
Our paperless application makes it simple for you to apply online, over the phone or in person.
Budgeting certainty
You’ll know exactly what your repayments will be throughout the fixed rate period chosen.
Available with our Home Loan Package
Get a discount on your rate - and big fee savings! Annual package fee and conditions apply.
Ability to make additional repayments
Up to $10,000 each year and redraw at no cost.
Owner Occupied Fixed Home Loan Package
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Package 1 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR ☉︎§︎#^ | 5.94% p.a. | 6.75% p.a. |
| Package 1 year Fixed - Interest Only - Owner Occupied ≤80% LVR ☉︎µ︎#^ | 6.74% p.a. | 6.83% p.a. |
| Package 2 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR ☉︎§︎#^ | 5.74% p.a. | 6.67% p.a. |
| Package 2 year Fixed - Interest Only - Owner Occupied ≤80% LVR ☉︎µ︎#^ | 6.54% p.a. | 6.81% p.a. |
| Package 3 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR ☉︎§︎#^ | 5.69% p.a. | 6.59% p.a. |
| Package 3 year Fixed - Interest Only - Owner Occupied ≤80% LVR ☉︎µ︎#^ | 6.49% p.a. | 6.80% p.a. |
Owner Occupied Fixed Rate Home Loans
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Home Loan 1 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR §︎#^ | 6.74% p.a. | 7.24% p.a. |
| Home Loan 1 year Fixed - Interest Only - Owner Occupied ≤80% LVR µ︎#^ | 7.54% p.a. | 7.32% p.a. |
| Home Loan 2 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR §︎#^ | 6.54% p.a. | 7.15% p.a. |
| Home Loan 2 year Fixed - Interest Only - Owner Occupied ≤80% LVR µ︎#^ | 7.34% p.a. | 7.31% p.a. |
| Home Loan 3 year Fixed - Principal & Interest - Owner Occupied ≤97% LVR §︎#^ | 6.49% p.a. | 7.07% p.a. |
| Home Loan 3 year Fixed - Interest Only - Owner Occupied ≤80% LVR µ︎#^ | 7.29% p.a. | 7.30% p.a. |
Investment Fixed Home Loan Package
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Package 1 year Fixed - Principal & Interest - Investment ≤97% LVR ☉︎§︎^ | 6.19% p.a. | 7.00% p.a. |
| Package 1 year Fixed - Interest Only - Investment ≤80% LVR ☉︎µ︎^ | 6.49% p.a. | 7.03% p.a. |
| Package 2 year Fixed - Principal & Interest - Investment ≤97% LVR ☉︎§︎^ | 5.99% p.a. | 6.91% p.a. |
| Package 2 year Fixed - Interest Only - Investment ≤80% LVR ☉︎µ︎^ | 6.29% p.a. | 6.96% p.a. |
| Package 3 year Fixed - Principal & Interest - Investment ≤97% LVR ☉︎§︎^ | 5.94% p.a. | 6.84% p.a. |
| Package 3 year Fixed - Interest Only - Investment ≤80% LVR ☉︎µ︎^ | 6.24% p.a. | 6.91% p.a. |
Investment Fixed Rate Home Loans
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Home Loan 1 year Fixed - Principal & Interest - Investment ≤97% LVR §︎^ | 6.99% p.a. | 7.49% p.a. |
| Home Loan 1 year Fixed - Interest Only - Investment ≤80% LVR µ︎^ | 7.29% p.a. | 7.52% p.a. |
| Home Loan 2 year Fixed - Principal & Interest - Investment ≤97% LVR §︎^ | 6.79% p.a. | 7.39% p.a. |
| Home Loan 2 year Fixed - Interest Only - Investment ≤80% LVR µ︎^ | 7.09% p.a. | 7.46% p.a. |
| Home Loan 3 year Fixed - Principal & Interest - Investment ≤97% LVR §︎^ | 6.74% p.a. | 7.32% p.a. |
| Home Loan 3 year Fixed - Interest Only - Investment ≤80% LVR µ︎^ | 7.04% p.a. | 7.41% p.a. |
Fixed Rate Home Loan fees
Fee
Amount
$600
$0
$150
Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.
Fixed Rate Home Loan Package fees
Fee
Amount
$0
$0
$395
Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.
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.
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.
FREQUENTLY ASKED QUESTIONS
View all Loans FAQsThe 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.
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.
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.
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.
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. We have created this guide to help you do exactly that.
Borrowing Power Calculator
The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.
Buying and Selling Costs Calculator
The Buying and Selling Costs calculator will calculate the costs of buying and selling, including real estate agent costs and stamp duty.
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.
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
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.
☉︎
Loan available for minimum new borrowings of $150,000 or more. Annual Package fee of $395 applies.§︎
Available where the loan to value ratio is 97% or less, including capitalised LMI.#
Available for Family Home Guarantee (FHG), First Home Guarantee (FHBG) and Regional First Home Buyer Guarantee (RFHBG) 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.^
Interest rates are subject to change without notice. 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.µ︎
Interest only repayments are only available where the loan to value ratio is 80% or less.