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Home Loans

Standard Variable Rate Home Loans

As the name suggests, variable rates aren’t fixed and neither is your minimum repayment. When the rate drops, you pay a little less. When it goes up, you pay a little more. The rate isn’t the only flexible ingredient, though. Our variable rate home loans also offer many convenient features to help you pay off your loan sooner.

Standard Variable Rate Home Loan

Our Standard Variable Rate Home Loan is ideal for those seeking significant flexibility. As you can see from the features list, it puts some seriously valuable interest-saving options at your disposal.


Links to Home Loan Offset Account

Save thousands in reduced interest.

Available with our Home Loan Package

Get a discount off your rate for the life of the loan - and big fee savings! Annual package fee and conditions apply.

Unlimited fee-free additional repayments and redraw those extra repayments

Any time, and at no cost.

Put repayments on-hold for a while

If your circumstances change. You can also go interest-only.

Special offer package for new home loans

Product Name Interest Rate Comparison Rate
Owner Occupied Variable Home Loan Package where the LVR is 80% or less*^1 3.89% pa 4.29% pa

Standard Variable Rate Home Loan interest rates

Product Name Interest Rate Comparison Rate
Owner Occupied 5.25% pa 5.31% pa
Investment 5.64% pa 5.70% pa


Fee Amount
Application Fee$600
Monthly Fee$0
Redraw Fee$0

How we can help

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

The ultimate in savings and flexibility.

Everything you get from everything we have.


Calculate your repayments for different loans, for various terms and payment frequencies.

Get a realistic estimate of your borrowing capacity based on your likely income and expenses.

Find out in an instant what the mandatory government fees will be at different property purchase prices.

*This rate is available for loans where $150,000 or more of the loan amount is new to Credit Union SA. This offer is limited and may be withdrawn at any time.

^Conditions and annual package fee of $395 applies.

1LVR=Loan to Value Ratio.

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 Owner Occupied and Investment Home Loan Interest Rates and Fees and Charges.

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