Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 97% | $20,000 | |
|
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Owner Occupier | Interest Only | < 80% | $20,000 | |
|
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Investor | Principal & Interest | < 97% | $20,000 | |
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Investor | Interest Only | < 80% | $20,000 |
|
n/a |
|
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n/a |
|
|
n/a |
|
|
n/a |
|
|
7.09% (7.30%*) |
|
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6.94% (7.25%*) |
|
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6.69% (7.15%*) |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
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n/a |
|
|
7.24% p.a. |
|
$600.00 |
|
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n/a |
|
|
n/a |
|
|
$300.00 |
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n/a |
|
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$0.00 |
|
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$350.00 |
|
$20,000 |
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none |
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none |
|
|
97.00% |
|
Weekly, Fortnightly, Monthly |
|
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yes - free up to $10,000 p.a. |
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none |
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yes - free |
|
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$500.00 |
|
|
yes |
|
|
no |
|
|
Legal and valuation fees payable at cost. Maximum 97% LVR includes capitalised Lenders Mortgage Insurance. Rate lock fee: Higher of $600 or 0.15% of loan amount. |
|
|
none |
|
|
none |
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 |
|
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n/a |
|
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n/a |
|
|
n/a |
|
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7.89% (7.38%*) |
|
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7.74% (7.42%*) |
|
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7.49% (7.39%*) |
|
|
n/a |
|
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n/a |
|
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n/a |
|
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n/a |
|
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7.24% p.a. |
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$600.00 |
|
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n/a |
|
|
n/a |
|
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$300.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$350.00 |
|
$20,000 |
|
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none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
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yes - free up to $10,000 p.a. |
|
|
none |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
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no |
|
|
Legal and valuation fees payable at cost. Interest only up to 5 years. Rate lock fee: Higher of $600 or 0.15% of loan amount. |
|
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none |
|
|
none |
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 |
|
|
7.34% (7.55%*) |
|
|
7.19% (7.50%*) |
|
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6.94% (7.40%*) |
|
|
n/a |
|
|
n/a |
|
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n/a |
|
|
n/a |
|
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7.49% p.a. |
|
$600.00 |
|
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n/a |
|
|
n/a |
|
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$300.00 |
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|
n/a |
|
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$0.00 |
|
|
$350.00 |
|
$20,000 |
|
|
none |
|
|
none |
|
|
97.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
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none |
|
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yes - free |
|
|
$500.00 |
|
|
yes |
|
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no |
|
|
Legal and valuation fees payable at cost. Maximum 97% LVR includes capitalised Lenders Mortgage Insurance. Rate lock fee: Higher of $600 or 0.15% of loan amount. |
|
|
none |
|
|
none |
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 |
|
|
7.64% (7.58%*) |
|
|
7.49% (7.56%*) |
|
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7.24% (7.49%*) |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
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7.49% p.a. |
|
$600.00 |
|
|
n/a |
|
|
n/a |
|
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$300.00 |
|
|
n/a |
|
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$0.00 |
|
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$350.00 |
|
$20,000 |
|
|
none |
|
|
none |
|
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80.00% |
|
Weekly, Fortnightly, Monthly |
|
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yes - free up to $10,000 p.a. |
|
|
none |
|
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yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Legal and valuation fees payable at cost. Interest only up to 5 years. Rate lock fee: Higher of $600 or 0.15% of loan amount. |
|
|
none |
|
|
none |
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.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
OMG Home Loan
5.99% p.a. variable
6.02% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Flex Home Loan
6.14% p.a. variable
6.38% p.a.
Express Home Loan
6.09% p.a. variable
6.22% p.a.
Elevate
6.18% p.a. variable
6.18% p.a.
Great Rate Home Loan
5.99% p.a.
6.01% p.a.
Express Home Loan
6.09% p.a.
6.22% p.a.
OMG Home Loan
5.99% p.a.
6.02% p.a.
Elevate
6.18% p.a.
6.18% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Fixed Home Loan Rate
5.59% p.a.
fixed 3 years
6.31% p.a.
Basic Home Loan (Fixed)
5.49% p.a.
fixed 3 years
6.02% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.59% p.a.
fixed 3 years
6.64% p.a.
Fixed Rate Loan
5.79% p.a.
fixed 3 years
6.07% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% 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.
