Credit Union SA Variable Rate Home Loan (Package)

3.74% p.a.

4.15% p.a.

$395.00 yearly

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4.04% p.a.

4.44% p.a.

$395.00 yearly

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4.30% p.a.

4.69% p.a.

$395.00 yearly

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4.60% p.a.

4.99% p.a.

$395.00 yearly

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4.09% p.a.

4.49% p.a.

$395.00 yearly

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4.60% p.a.

4.99% p.a.

$395.00 yearly

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4.75% p.a.

5.13% p.a.

$395.00 yearly

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5.05% p.a.

5.43% p.a.

$395.00 yearly

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Credit Union SA Variable Rate Home Loan (Package) Review

Rates and fees information correct as at 23 April 2018.

Review published: 22 March 2018

What's hot:

  • Variable rates from just 3.74% (4.15% comparison rate)

  • 2018 Mozo Experts Choice Award

  • No upfront application fee

  • 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 3.74% (4.15% comparison rate) for owner occupiers and 4.09% (4.48% 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.

The Mozo community has not yet rated Credit Union SA for this home loan.

Currently showing

Rates

  • 3.74% p.a.

  • n/a

  • 0 Months

  • none

  • 4.15% 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

Rates

  • 4.04% p.a.

  • n/a

  • 0 Months

  • none

  • 4.44% 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

Rates

  • 4.30% p.a.

  • n/a

  • 0 Months

  • none

  • 4.69% 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

Rates

  • 4.60% p.a.

  • n/a

  • 0 Months

  • none

  • 4.99% 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

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

  • 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

Rates

  • 4.60% p.a.

  • n/a

  • 0 Months

  • none

  • 4.99% 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

Rates

  • 4.75% p.a.

  • n/a

  • 0 Months

  • none

  • 5.13% 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

Rates

  • 5.05% p.a.

  • n/a

  • 0 Months

  • none

  • 5.43% 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 $300,000 to purchase a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.

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.

*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.

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