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 $750,000 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 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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $750,000 | |
| | Owner Occupier | Principal & Interest | < 80% | $150,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | |
| | Owner Occupier | Principal & Interest | < 97% | $150,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | |
| | Investor | Principal & Interest | < 80% | $150,000 | |
| | Investor | Interest Only | < 80% | $150,000 | |
| | Investor | Principal & Interest | < 90% | $150,000 | |
| | Investor | Interest Only | < 80% | $150,000 |
-
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $750,000
-
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
3.59% p.a.
4.00% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
3.59% p.a.
4.00% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
3.59% p.a.
4.00% p.a.
$395.00 yearly
3.74% p.a.
4.15% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
3.74% p.a.
4.15% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
3.74% p.a.
4.15% p.a.
$395.00 yearly
4.04% p.a.
4.44% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.04% p.a.
4.44% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.04% p.a.
4.44% p.a.
$395.00 yearly
4.30% p.a.
4.69% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.30% p.a.
4.69% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.30% p.a.
4.69% p.a.
$395.00 yearly
4.60% p.a.
4.99% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.60% p.a.
4.99% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.60% p.a.
4.99% 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
Credit Union SA Variable Rate Home Loan (Package)
4.09% p.a.
4.49% p.a.
$395.00 yearly
4.60% p.a.
4.99% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.60% p.a.
4.99% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.60% p.a.
4.99% p.a.
$395.00 yearly
4.75% p.a.
5.13% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.75% p.a.
5.13% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
4.75% p.a.
5.13% p.a.
$395.00 yearly
5.05% p.a.
5.43% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
5.05% p.a.
5.43% p.a.
$395.00 yearly
Credit Union SA Variable Rate Home Loan (Package)
5.05% p.a.
5.43% p.a.
$395.00 yearly
Mozo Review Credit Union SA Variable Rate Home Loan (Package) Review
Last updated: 28 August 2018.
What's hot:
Variable rates from just 3.59% (3.99% 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 3.59% (3.99% 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.
Plus, you can score a massive $3,000 cashback when you refinance to an owner occupier loan over $300,000 with the Credit Union SA Variable Rate Home Loan Package.
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 24 September 2018.
Rates
-
3.59% p.a.
-
n/a
-
0 Months
-
none
-
4.00% 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
-
$750,000
-
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
-
$3,000 cashback on refinanced owner occupied loans over $300,000. $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.
Details
Rates and fees information correct as at 24 September 2018.
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
-
$3,000 cashback on refinanced owner occupied loans over $300,000. $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.
Details
Rates and fees information correct as at 24 September 2018.
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.
-
$3,000 cashback on refinanced owner occupied loans over $300,000. $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.
Details
Rates and fees information correct as at 24 September 2018.
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
-
$3,000 cashback on refinanced owner occupied loans over $300,000. $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.
Details
Rates and fees information correct as at 24 September 2018.
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.
-
$3,000 cashback on refinanced owner occupied loans over $300,000. $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.
Details
Rates and fees information correct as at 24 September 2018.
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 $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.
Details
Rates and fees information correct as at 24 September 2018.
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 $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.
Details
Rates and fees information correct as at 24 September 2018.
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 $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.
Details
Rates and fees information correct as at 24 September 2018.
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 $250,000 to purchase or built a home with LVR over 80%. $39 annual fee waived on Credit Union SA Visa Credit card.
Customer Reviews
How are Credit Union SA home loans rated by the Mozo community?
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.
