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Home Loans

Home Loan Package

The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa credit cards, personal loans, investments and more. You pay just one annual fee of $395 and in return you’ll save an absolute bundle.

Home loan savings:

  • Big rate reductions – save on fixed rate home loans and variable rate home loans

  • No application fee – save $600

  • No settlement fee – save $150

  • No top-up fee or renegotiation fee – save $300 each.

Savings on other products:

  • Earn an extra 0.25% pa on any fixed term investments for balances up to $250,000 

Plus as a Credit Union SA member you receive:

Home Loan Offset Account

Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans. This offers all the convenient day-to-day banking features you need, but with the huge added advantage of also lowering the amount of interest you pay on your eligible variable rate home loan. It’s completely free from transaction fees+ and there are no monthly fees.

Here's how it works

Let’s say your variable rate home loan balance is $250,000. If you link your Home Loan Offset Account with a balance of $50,000 to your home loan, you will only be charged interest on your home loan based on a $200,000 balance. Over the life of the loan it could save you thousands. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.

Features

FREE property reports

To assist you in your search for the perfect property.

Flexible home loan repayment options

Weekly, fortnightly or monthly.

Redraw extra home loan repayments

Any time, and at no cost.

Put repayments on-hold for a while

If your circumstances change.

Special Offer Variable Home Loan Package

Product Name Interest Rate Comparison Rate
Owner Occupied Variable Home Loan Package where the LVR is 80% or less^1,2 3.74% pa 4.14% pa
Owner Occupied Variable Home Loan Package where the LVR is 80% or less - Interest only^#1,2 4.04% pa 4.43% pa

Owner Occupied Variable Home Loan Package

Product Name Tier Rate Comparison Rate
Variable Home Loan Package^ > $150,000 4.30% pa 4.69% pa
Variable Home Loan Package - Interest only^# > $150,000 4.60% pa 4.98% pa

Owner Occupied Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^ 4.29% pa 4.69% pa
1 Year Fixed - Interest only^# 4.59% pa 4.98% pa
2 Year Fixed^ 4.09% pa 4.65% pa
2 Year Fixed - Interest only^# 4.39% pa 4.94% pa
3 Year Fixed^ 4.09% pa 4.63% pa
3 Year Fixed - Interest only^# 4.39% pa 4.92% pa

Investment Variable Home Loan Package

Product Name Tier Rate Comparison Rate
Variable Home Loan Package^ > $150,000 4.75% pa 5.13% pa
Variable Home Loan Package - Interest only^# > $150,000 5.05% pa 5.42% pa

Investment Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^ 4.54% pa 5.11% pa
1 Year Fixed - Interest only^# 4.84% pa 5.40% pa
2 Year Fixed^ 4.34% pa 5.05% pa
2 Year Fixed - Interest only^# 4.64% pa 5.34% pa
3 Year Fixed^ 4.34% pa 5.02% pa
3 Year Fixed - Interest only^# 4.64% pa 5.31% pa

Fees

Fee Amount
Application Fee$0
Redraw Fee$0
Package Fee$395

How we can help

Looking for rates with a little more flexibility? Check out our competitive Standard Variable Home Loan rates.

Looking for a rate with a bit more certainty? Check out our competitive Fixed Home Loan rates.

Offering all the convenient day-to-day banking features you need, while also lowering the amount of interest you pay on your eligible variable rate home loan.

Everything you get from everything we have.

Tools

The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.

The Loan repayments calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.

The Stamp duty calculator will calculate which mandatory government fees are required at different property purchase prices.

+While we won’t charge any transaction fees, you may be charged a fee by the ATM operator if you perform transactions using an ATM that is not part of the national rediATM network. 

^Conditions and annual package fee of $395 applies.

#Interest only interest rates apply when you request to only repay interest charges on you loan. For construction and bridging loans, you will only be charged interest only interest rates if, after your construction or bridging period, your repayments will not be principal & interest repayments.

1LVR=Loan to Value Ratio.

2This rate is available for any owner occupied purpose where the loan amount is $150,000 or more. This offer is limited and may be withdrawn at any time.

Interest rates are subject to change. 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.

Download a copy of our Home Loan Interest Rates, Fees and Charges.