Goldfields Money home loans

Goldfields Money
Goldfields Money's overall rating for home loans

(as rated by the Mozo community)

10.0 / 10

based on 1 reviews

You might remember Goldfields as Goldfields Credit Union - but these days, it’s no longer a credit union and goes by Goldfields Money. It’s regulated just the same as the major banks, but has a focus on local communities and customers.

Based in Western Australia, Goldfields Money doesn’t have many branches, but what it lacks in quantity, it makes up for in quality home loan products and local knowledge.

Rates and fees verified as correct at 06 December, 2016. Other information correct at the time of writing.

What home loans do Goldfields Money offer?

Fixed Rate Home Loans Fixed Rate Home Loans

Love the security of a fixed monthly repayment? Opt for a fixed rate home loan from Goldfields money and borrow between $50,000 and $1,350,000, up to 90% of the property’s value. This offer is also packed full of handy features, including the option to split between fixed and variable rates, the use of an offset account, a free redraw facility (minimums apply) and the chance to make extra repayments. Just keep in mind that you’ll pay a fee on each additional repayment, as well as upfront legal and application fees.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.34% p.a.

4.55% p.a.

$0.00

$800

3.99% p.a.

4.12% p.a.

$0.00

$800


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Variable Rate Home Loans Variable Rate Home Loans

If you’re looking for a little more flexibility, a Goldfields variable home loan might be the one for you. You can borrow between $50,000 and $1,350,000, up to 90% of the property’s value, but remember to budget for the upfront application and legal fees. You can also choose to make your repayments weekly, fortnightly or monthly, as well as making unlimited fee free additional repayments. In terms of features, you’ll also have the use of an offset account, a free redraw facility (minimums apply) and the chance to split your loan between fixed and variable rates.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.54% p.a.

4.60% p.a.

$0.00

$800

4.09% p.a.

4.15% p.a.

$0.00

$800

4.34% p.a.

4.40% p.a.

$0.00

$800

3.89% p.a.

3.95% p.a.

$0.00

$800

4.95% p.a.

5.01% p.a.

$0.00

$800

4.75% p.a.

4.81% p.a.

$0.00

$800


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Goldfields Money home loan features in a glance

Additional repaymentsAdditional repayments

You can make free extra repayments on the variable rate home loan offer, but if you opt for the fixed rate, keep in mind that this will incur extra fees.

Offset accountOffset account

With either offer, you’ll have the use of an offset account to keep interest costs low and save you money.

Flexible repayment scheduleFlexible repayment schedule

Make your repayments monthly, fortnightly or weekly - whatever suits your budget best.

How are Goldfields Money home loans rated?

Want to read what Goldfields customers think of their home loan experience? Head over to our customer review section to get the inside scoop on how Goldfields stacks up in terms of customer service, trust and convenience.

Goldfields Money home loans

Overall 10.0*

Price

Features

Customer service

Convenience

Trust

1 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Goldfields Money home loan reviews Recent Goldfields Money home loan reviews

Goldfields Money

Goldfields Money home loan review

Overall rating   10 / 10

Awesome people, nothing is too hard

The best bank by far !

Full review

The best bank by far !

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Ivy (WA), reviewed over 1 year ago

Goldfields Money

Goldfields Money home loan review

Overall rating   5 / 10

This is my husbands bank, I don't find them very helpful, especially in times of stress.

Full review

This is my husbands bank, I don't find them very helpful, especially in times of stress.

    Price   5 / 10

    Features   2 / 10

    Customer service   7 / 10

    Convenience   3 / 10

    Trust   5 / 10

Less

Anne (WA), reviewed about 6 years ago

Goldfields Money

Goldfields Money home loan review

Overall rating   10 / 10

This loan was easy to set up. I didn't have to fill out online forms, talk to people in states other than mine or take a number and wait for someone to help me. I called up, made and appointment and got the loan. They are concise about what they...

Full review

This loan was easy to set up. I didn't have to fill out online forms, talk to people in states other than mine or take a number and wait for someone to help me. I called up, made and appointment and got the loan. They are concise about what they want and above all I have the same person help me each time I call so I don't need to go over everything each time I want to make an enquiry. GO GCU

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jody (WA), reviewed about 6 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Goldfields Money home loan? What do you need to apply for a Goldfields Money home loan?

If you’re ready to go ahead and apply for a Goldfields Money home loan, then there’s a few things you’ll need to have handy, including:

  • Your driver's licence details
  • Your passport details
  • Your employment and income details
  • Details on your assets including property, vehicles, savings, shares and super
  • Details on your debts including any loans, overdrafts, or credit cards
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