Illawarra Credit Union home loans

3.7
Based on 13 Illawarra Credit Union home loan product reviews.
Fact Checked

Illawarra Credit Union is a local organisation, right along with your local footy club, corner store and pub. It’s been providing NSW customers with competitive home loans since 1972 and investing profits back into the community for just as long. 

Once you’re a member of Illawarra Credit Union, you’re an owner too, so if you want to take out a mortgage with a homegrown institution where you get a real say, check out the options below.

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can compare more home loans here.
Last updated 11 March 2025 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • The Works Fixed Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    5.59 % p.a.
    Fixed 2 years
    Comparison rate
    6.20 % p.a.
    Initial monthly repayment
    $2,867
    No Partner link
  • Bare Essentials Fixed

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    5.69 % p.a.
    Fixed 2 years
    Comparison rate
    5.82 % p.a.
    Initial monthly repayment
    $2,899
    No Partner link
  • Bare Essentials

    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    5.74 % p.a.
    Variable
    Comparison rate
    5.83 % p.a.
    Initial monthly repayment
    $2,915
    No Partner link
  • The Works Fixed Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    5.74 % p.a.
    Fixed 2 years
    Comparison rate
    6.46 % p.a.
    Initial monthly repayment
    $2,915
    No Partner link
  • Fixed Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    5.79 % p.a.
    Fixed 2 years
    Comparison rate
    6.72 % p.a.
    Initial monthly repayment
    $2,931
    No Partner link
  • Bare Essentials Fixed

    • Fixed rate
    • Investor
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    5.84 % p.a.
    Fixed 2 years
    Comparison rate
    6.09 % p.a.
    Initial monthly repayment
    $2,947
    No Partner link
  • The Works Variable Home Loan

    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.84 % p.a.
    Variable
    Comparison rate
    6.29 % p.a.
    Initial monthly repayment
    $2,947
    No Partner link
  • Fixed Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    5.94 % p.a.
    Fixed 2 years
    Comparison rate
    7.07 % p.a.
    Initial monthly repayment
    $2,978
    No Partner link
  • Bare Essentials

    • Investor
    • Principal & Interest
    • 5% min deposit
    • Redraw available
    Interest rate
    6.04 % p.a.
    Variable
    Comparison rate
    6.13 % p.a.
    Initial monthly repayment
    $3,011
    No Partner link
  • The Works Variable Home Loan

    • Investor
    • Principal & Interest
    • 5% min deposit
    • Offset available
    • Redraw available
    Interest rate
    6.14 % p.a.
    Variable
    Comparison rate
    6.58 % p.a.
    Initial monthly repayment
    $3,043
    No Partner link

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Illawarra Credit Union home loan ratings

Overall customer rating for Illawarra Credit Union home loans

3.7
Based on 13 product reviews.

Customer reviews

Important disclosures

Illawarra Credit Union products

Home loan quick links


* 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.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.