Credit Union SA Variable Rate Home Loan (Package)

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 97%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR < 97%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $150,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000

3.79% p.a.

4.20% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

3.79% p.a.

4.20% p.a.

$395.00 yearly

4.09% p.a.

4.49% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

4.09% p.a.

4.49% p.a.

$395.00 yearly

4.35% p.a.

4.74% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

4.35% p.a.

4.74% p.a.

$395.00 yearly

4.65% p.a.

5.04% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

4.65% p.a.

5.04% p.a.

$395.00 yearly

4.21% p.a.

4.61% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

4.21% p.a.

4.61% p.a.

$395.00 yearly

4.72% p.a.

5.10% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

4.72% p.a.

5.10% p.a.

$395.00 yearly

4.87% p.a.

5.25% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

4.87% p.a.

5.25% p.a.

$395.00 yearly

5.17% p.a.

5.55% p.a.

$395.00 yearly

Credit Union SA Variable Rate Home Loan (Package)

5.17% p.a.

5.55% p.a.

$395.00 yearly

Mozo Review   Credit Union SA Variable Rate Home Loan (Package) Review

Last updated: 12 November 2018.

What's hot:
  • Variable rates from just 3.79% (4.19% comparison rate)

  • 2018 Mozo Experts Choice Award

  • $3,000 cashback offer for refinancers

  • Personal loan discount and fee-free credit card offer

What's not:
  • $395 yearly service fee

Mozo snapshot:

Featuring competitive interest rates for a range of borrowers, no upfront fees and a suite of other handy features, the Variable Rate Home Loan Package could be the perfect partner for both prospective homeowners and investors. Best of all, borrowers will be pleased to know that Credit Union SA’s offer was a favourite with the Mozo judges - taking out a 2018 Mozo Experts Choice Award for Packaged Home Loan.

Key features:

With a low variable interest rate starting at just 3.79% (4.19% comparison rate) for owner occupiers and 4.21% (4.60% comparison rate) for investors, Credit Union SA’s Variable Rate Home Loan Package could help borrowers reduce their repayment costs while still offering a number of handy features - including a 100% offset account.

Aside from taking advantage of a competitive interest rate, borrowers will also be able to chip away at their loan faster thanks to the free extra repayments facility and, should you need to, you’ll also be able to make redraws from any extra repayments at no added cost - though there is a minimum redraw amount of $500.

No matter which Variable Rate Home Loan Package you opt for, Credit Union SA will provide you with the flexibility to make payments on a schedule that’s right for you - either weekly, fortnightly or each month.

And what would an award-winning packaged home loan be without some additional perks? Well, should you sign up with Credit Union SA you’ll also be eligible for a number of discounts off a range of their other financial products - including no annual fee on their Visa Credit Card or transaction account, as well as 0.50% off the standard rate on a Credit Union SA personal loan.

Who it's good for:

With its competitive interest rates and handy extras, the Variable Rate Home Loan Package could be a great option for any borrower looking for a loan which can keep costs low while still offering features and flexibility.

Any catches?

While you won’t be pay a cent when it comes to application and other upfront fees, Credit Union SA does charge a $350 yearly service fee.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.79% p.a.

  • n/a

  • 0 Months

  • none

  • 4.20% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • 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%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.09% p.a.

  • n/a

  • 0 Months

  • none

  • 4.49% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • Legal and valuation fees payable at cost. Interest only up to 5 years.

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or build a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.35% p.a.

  • n/a

  • 0 Months

  • none

  • 4.74% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 97.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • 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%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.65% p.a.

  • n/a

  • 0 Months

  • none

  • 5.04% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • Legal and valuation fees payable at cost. Interest only up to 5 years.

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or build a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.21% p.a.

  • n/a

  • 0 Months

  • none

  • 4.61% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • Legal and valuation fees payable at cost

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.72% p.a.

  • n/a

  • 0 Months

  • none

  • 5.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • Legal and valuation fees payable at cost. Interest only up to 5 years.

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.87% p.a.

  • n/a

  • 0 Months

  • none

  • 5.25% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • Legal and valuation fees payable at cost

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Details

Rates and fees information correct as at 16 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 5.17% p.a.

  • n/a

  • 0 Months

  • none

  • 5.55% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • yes - free

  • $500.00

  • yes

  • yes

  • Legal and valuation fees payable at cost. Interest only up to 5 years.

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

*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.

Customer Reviews

How are Credit Union SA home loans rated by the Mozo community?

Overall customer rating
8.5/10
Price
8.2/10
Features
7.6/10
Customer service
8.5/10
Convenience
6.7/10
Trust
8.6/10
Credit Union SA

About Credit Union SA

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.

See Credit Union SA home loans

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3.66% p.a.

$520

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3.61% p.a.

$150

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3.68% p.a. variable

3.69% p.a.

$0

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UHomeLoan - Offer

3.59% p.a. variable

3.59% p.a.

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Base Variable Rate Home Loan

3.87% p.a. variable

3.91% p.a.

$600

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Basic Home Loan

3.65% p.a. variable

3.66% p.a.

$0

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3.68% p.a. variable

3.82% p.a.

$150

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3.49% p.a. variable

3.53% p.a.

$600

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3.64% p.a.

3.66% p.a.

$520

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UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

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NAB

NAB

Base Variable Rate Home Loan

3.87% p.a.

3.91% p.a.

$600

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State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0

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Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.82% p.a.

4.22% p.a.

$0

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3.59% p.a.

3.61% p.a.

$150

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Well Balanced

3.49% p.a.

3.53% p.a.

$600

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Homestar

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Variable Rate Loan

3.54% p.a.

3.59% p.a.

$567

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UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

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Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.99% p.a.
fixed 3 years

4.82% p.a.

$0

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Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

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NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

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Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

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Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

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bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

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Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

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HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$0.00

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State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0.00

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Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0.00

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Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a.

3.82% p.a.

$10.00 monthly

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Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$0.00

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Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a.

4.12% p.a.

$395.00 yearly

*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.