Big Sky home loans

Big Sky
Big Sky's overall rating for home loans

(as rated by the Mozo community)

5.3 / 10

based on 3 reviews

Big Sky started around 40 years ago, and over the years has developed its home loan options to provide the best possible experience to its customers. Find out if Big Sky is the right lender for you by checking out the details below.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

What home loans do Big Sky offer?

Fixed Rate Home Loans Fixed Rate Home Loans

The fixed rate home loan options on offer from Big Sky are available for borrowers with LVRs up to 80%. The standard version comes with an upfront application fee, while the Premium CHOICE option swaps that out for a yearly service fee. Both offer a free extra repayments feature and the option to make monthly, fortnightly or weekly repayments. Plus, you can choose to split your loan between fixed and variable rates for the best of both worlds.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.54% p.a.

5.43% p.a.

$0.00

$600

4.40% p.a.

5.01% p.a.

$0.00

$600

3.99% p.a.

5.04% p.a.

$399.00 yearly

$0

3.84% p.a.

4.70% p.a.

$399.00 yearly

$0


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Variable Rate Home Loans Variable Rate Home Loans

For a little more flexibility in your home loan, check out Big Sky’s variable rate options. Like the fixed rate alternative, the standard version comes with an upfront application fee, while the Premium option attracts a yearly service fee. Both are available for up to 80% of the property’s value, and there are different rate tiers depending on how much you’d like to borrow. You’ll get a bunch of flexible features with this mortgage, including fee free extra repayments, a free redraw facility (minimum applies) and the use of an offset account.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

5.40% p.a.

5.78% p.a.

$399.00 yearly

$0

5.10% p.a.

5.48% p.a.

$399.00 yearly

$0

4.89% p.a.

5.28% p.a.

$399.00 yearly

$0

4.67% p.a.

5.06% p.a.

$399.00 yearly

$0

4.47% p.a.

4.86% p.a.

$399.00 yearly

$0

4.87% p.a.

5.26% p.a.

$399.00 yearly

$0

5.70% p.a.

5.75% p.a.

$0.00

$600

5.17% p.a.

5.22% p.a.

$0.00

$600


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Big Sky home loan features in a glance

Flexible repayment scheduleFlexible repayment schedule

Choose a monthly, fortnightly or weekly repayment schedule to work with your budget.

Offset accountOffset account

Opt for a variable rate home loan and save on interest by making use of the offset account.

Free extra repaymentsFree extra repayments

Pay your home loan off quicker by making free additional repayments. This great feature is available on both fixed and variable rate options.

How are Big Sky home loans rated?

Check out what Big Sky customers have to say about their home loan experience in areas like trust, convenience and price with our customer review section.

Big Sky home loans

Overall 5.3*

Price

Features

Customer service

Convenience

Trust

3 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Big Sky home loan reviews Recent Big Sky home loan reviews

Big Sky

Big Sky home loan review

Overall rating   0 / 10

Poor customer service

From the word go this institution has been difficult to deal with, every time I have had a problem or needed assistance in some way from BIGSKY they have been unhelpful and unapologetic. I would not recommend the institution to anyone and regret...

Full review

From the word go this institution has been difficult to deal with, every time I have had a problem or needed assistance in some way from BIGSKY they have been unhelpful and unapologetic. I would not recommend the institution to anyone and regret the day I became tangled up with them.

    Price   8 / 10

    Features   0 / 10

    Customer service   3 / 10

    Convenience   0 / 10

    Trust   5 / 10

Less

Mark (QLD), reviewed almost 2 years ago

Big Sky

Big Sky home loan review

Overall rating   8 / 10

Always available for questions, immediate response

Big sky credit union, all services easy to access , staff always helpful and happy via phone .

Full review

Big sky credit union, all services easy to access , staff always helpful and happy via phone .

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Zoe (QLD), reviewed almost 2 years ago

Big Sky

Big Sky home loan review

Overall rating   8 / 10

Outstanding

Been with them for years, good to deal with.

Full review

Been with them for years, good to deal with.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Kingsley , reviewed over 2 years ago

Big Sky

Big Sky home loan review

Overall rating   7 / 10

This product has been so easy and convenient that I've never considered changing the product or financial institution. It's pretty much managed itself. Not sure if it's the lowest interest rate around but it's easy use,stress free and good...

Full review

This product has been so easy and convenient that I've never considered changing the product or financial institution. It's pretty much managed itself. Not sure if it's the lowest interest rate around but it's easy use,stress free and good customer service features are winners.

    Price   5 / 10

    Features   3 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Shirley (VIC), reviewed almost 5 years ago

Big Sky

Big Sky home loan review

Overall rating   9 / 10

Bend over backwards to help. Just need to go to post office which is easy. Always reply to emails and phone calls.

Full review

Bend over backwards to help. Just need to go to post office which is easy. Always reply to emails and phone calls.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Peta (QLD), reviewed about 5 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Big Sky home loan? What do you need to apply for a Big Sky home loan?

You don’t need to be a member to take out a home loan with Big Sky, and you can apply for a Big Sky home loan either online, or by printing and mailing an application form.

Some information you’ll need to have handy when filling out the application includes:

  • Your personal contact details
  • Details about your employment and income
  • Statements concerning any assets or savings you have
  • Details of any current loans, debts or lines of credit available to you
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