based on 13 Goldfields Money banking product reviews as rated by Mozo community

Goldfields Money home loans

Goldfields Money, formerly Goldfields Credit Union, provides simple online banking solutions for those looking for an alternative to the big banks. It’s been operating for more than 35 years and is regulated just the same as the major banks, with deposits of up to $250,000 per customer protected by the Australian Government. Based in Western Australia, Goldfields Money doesn’t have many branches, but it makes up for this in quality home loan products and local knowledge.

What home loans do Goldfields Money offer?

Rates and fees verified as correct at 05 August, 2021. Other information correct at the time of writing. Advertiser disclosure.

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

3.24% p.a.

3.52% p.a.

$0.00

$900

3.64% p.a.

3.92% p.a.

$0.00

$900

3.94% p.a.

4.15% p.a.

$0.00

$900

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

2.99% p.a.

3.05% p.a.

$0.00

$900

3.24% p.a.

3.30% p.a.

$0.00

$900

3.54% p.a.

3.60% p.a.

$0.00

$900

3.54% p.a.

3.60% p.a.

$0.00

$900

3.64% p.a.

3.63% p.a.

$0.00

$900

3.94% p.a.

4.00% p.a.

$0.00

$900

Goldfields Money home loan features in a glance

Repayment Icon

Additional 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 icon

Offset account

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

Schedule icon

Flexible repayment schedule

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

How are Goldfields Money home loans rated?

Mozo users have rated Goldfields Money home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
Goldfields Money home loans
Overall
Price
Features
Customer service
Convenience
Trust

4 Reviews

Recent Goldfields Money home loan reviews

Goldfields Money Standard Home Loan
Overall 9/10
Great access and easy to use

During application process the Manager (now left) assisted identify the most cost effective option for my personal requirements (I wanted a 100% loan with a secured cash deposit offset for taxation reasons)

Read full review

During application process the Manager (now left) assisted identify the most cost effective option for my personal requirements (I wanted a 100% loan with a secured cash deposit offset for taxation reasons)

Price
9/10
Features
7/10
Customer service
8/10
Convenience
10/10
Trust
7/10
Less
Sandra, Western Australia, reviewed over 3 years ago
Goldfields Money Home Loan
Overall 10/10
Awesome people, nothing is too hard

The best bank by far !

Read 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, Western Australia, reviewed about 6 years ago
Goldfields Money Home Loan
Overall 5/10

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

Read 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, Western Australia, reviewed almost 11 years ago
Goldfields Money Home Loan
Overall 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 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

Read 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, Western Australia, reviewed almost 11 years ago

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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