The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $20,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $20,000 | |
| | Owner Occupier | Interest Only | < 80% | $20,000 | |
| | Investor | Principal & Interest | < 90% | $20,000 | |
| | Investor | Interest Only | < 80% | $20,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $20,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $20,000
Investor (Principal & Interest)
LVR < 90%
Loan: $20,000
Investor (Interest Only)
LVR < 80%
Loan: $20,000
n/a
n/a
n/a
n/a
3.19% (4.43%*)
3.19% (4.32%*)
3.19% (4.21%*)
n/a
n/a
n/a
n/a
4.50% p.a.
$600.00
n/a
n/a
$150.00
n/a
$0.00
$350.00
$20,000
none
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
none
yes - free
$500.00
yes
no
Legal and valuation fees payable at cost
$5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or build a home with LVR over 80%.
$2,500 cashback when refinancing, buying or building a home or investment property, borrowing at least $250,000 with a LVR of 80% or less.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
3.84% (4.90%*)
3.84% (4.80%*)
3.84% (4.71%*)
n/a
n/a
n/a
n/a
4.95% p.a.
$600.00
n/a
n/a
$150.00
n/a
$0.00
$350.00
$20,000
none
none
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
none
yes - free
$500.00
yes
no
Legal and valuation fees payable at cost. Interest only up to 5 years.
none
$2,500 cashback when refinancing, buying or building a home or investment property, borrowing at least $250,000 with a LVR of 80% or less.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
3.59% (4.88%*)
3.59% (4.76%*)
3.59% (4.64%*)
n/a
n/a
n/a
n/a
4.95% p.a.
$600.00
n/a
n/a
$150.00
n/a
$0.00
$350.00
$20,000
none
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
none
yes - free
$500.00
yes
no
Legal and valuation fees payable at cost
none
$2,500 cashback when refinancing, buying or building a home or investment property, borrowing at least $250,000 with a LVR of 80% or less.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
3.79% (5.12%*)
3.79% (4.99%*)
3.79% (4.88%*)
n/a
n/a
n/a
n/a
5.20% p.a.
$600.00
n/a
n/a
$150.00
n/a
$0.00
$350.00
$20,000
none
none
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
none
yes - free
$500.00
yes
no
Legal and valuation fees payable at cost. Interest only up to 5 years.
none
$2,500 cashback when refinancing, buying or building a home or investment property, borrowing at least $250,000 with a LVR of 80% or less.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
I am fortunate enough to be a member of Credit Union SA. Their interest rate on their home loans of 4.41% (4.42% comparison rate) would be amongst the lowest there are. Additionally their credit card charges the very low rate of 10.49% on both purchases and cash advances. ATM's are readily available as they use the Rediteller system. The only disadvantage of this credit union would be the fact they have limited locations (only 5 in the metropolitan area). However, with internet banking readily available, this can be overcome. They are also a very personable financial institution, with each call to them going directly to a local person rather than a machine or call centre. They offer the full range of services that a bank does, just without the fees. Additionally, being a non-profit organisation, financial gains are placed back into the community, particularly the education sector.
Read full reviewI am fortunate enough to be a member of Credit Union SA. Their interest rate on their home loans of 4.41% (4.42% comparison rate) would be amongst the lowest there are. Additionally their credit card charges the very low rate of 10.49% on both purchases and cash advances. ATM's are readily available as they use the Rediteller system. The only disadvantage of this credit union would be the fact they have limited locations (only 5 in the metropolitan area). However, with internet banking readily available, this can be overcome. They are also a very personable financial institution, with each call to them going directly to a local person rather than a machine or call centre. They offer the full range of services that a bank does, just without the fees. Additionally, being a non-profit organisation, financial gains are placed back into the community, particularly the education sector.
Credit Union Sa has allowed us to buy our house but are extremely conservative in lending to the point of being restrictive. When we do get to refinancing we will probably be forced to go elsewhere.
Read full reviewCredit Union Sa has allowed us to buy our house but are extremely conservative in lending to the point of being restrictive. When we do get to refinancing we will probably be forced to go elsewhere.
I live in Brisbane and they are in Adelaide, however they make you jump through hoops and generally treat you like you are a pain to deal with.
Read full reviewI live in Brisbane and they are in Adelaide, however they make you jump through hoops and generally treat you like you are a pain to deal with.
Being a single working mother, they couldn't have been more helpful. They were in a word... awesome!
Read full reviewBeing a single working mother, they couldn't have been more helpful. They were in a word... awesome!
At a time when every customer is a number, the Credit Union SA retains the personal skills that larger institutions have lost. Their staff make you feel welcome as soon as you step through the door.
Read full reviewAt a time when every customer is a number, the Credit Union SA retains the personal skills that larger institutions have lost. Their staff make you feel welcome as soon as you step through the door.
Credit Union SA is a credit union providing its financial services to the South Australian region. Credit Union SA offers a wide range of financial products and services in credit cards, savings accounts, personal loans, home loans and car insurance. Credit Union SA pride themselves on providing excellent customer service and friendliness through all their financial products.
Bank of Queensland
Economy
2.59% p.a. variable
2.76% p.a.
AMP Bank
Variable Rate Loan (Professional Package)
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3.00% p.a.
Bank of Queensland
Economy
2.59% p.a. variable
2.76% p.a.
AMP Bank
Variable Rate Loan (Professional Package)
2.59% p.a. variable
3.00% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
Homestar
Star Classic Fixed Home Loan
2.06% p.a.
fixed 3 years
2.38% p.a.
Bank of Queensland
Fixed Rate
2.25% p.a.
fixed 3 years
3.41% p.a.
AMP Bank
Fixed Rate Loan (Professional Package)
2.49% p.a.
fixed 3 years
3.07% p.a.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
