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Mini meca 2021

Illawarra Credit Union Bare Essentials Fixed

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 95%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $150,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $150,000

Fixed 3 year rate
2.40% p.a.
Comparison Rate
3.82% p.a.
Service fee
$0.00
Upfront fee
$682
Fixed 3 year rate
p.a.
Comparison Rate
n/a
Service fee
$0.00
Upfront fee
$682
Fixed 3 year rate
2.65% p.a.
Comparison Rate
4.17% p.a.
Service fee
$0.00
Upfront fee
$682
Fixed 3 year rate
2.65% p.a.
Comparison Rate
4.36% p.a.
Service fee
$0.00
Upfront fee
$682

Details

Rates and fees information correct as at 28 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.65% (4.14%*)

2.65% (4.01%*)

2.40% (3.82%*)

n/a

3.04% (3.81%*)

n/a

n/a

4.24% p.a.
Fees

$0.00

$440.00

$242.00

$0.00

n/a

$0.00

$350.00
Other financial bits

$150,000

none

none

95.00%
Features

Monthly

yes - free for amounts up to 15% of minimum monthly repayment

no

yes - fees apply

$0.00

yes

no

Valuation and legal fees charged at cost. Lenders Mortgage Insurance required for loans above 80% LVR.

$6 monthly account keeping fee waived on the Everyday account.

none

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.

Details

Rates and fees information correct as at 28 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.80% (4.39%*)

n/a

n/a

n/a

n/a

n/a

n/a

4.50% p.a.
Fees

$0.00

$440.00

$242.00

$0.00

n/a

$0.00

$350.00
Other financial bits

$150,000

none

none

95.00%
Features

Monthly

yes - free for amounts up to 15% of minimum monthly repayment

no

yes - fees apply

$0.00

yes

no

Valuation and legal fees charged at cost. Lenders Mortgage Insurance required for loans above 80% LVR.

$6 monthly account keeping fee waived on the Everyday account.

none

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.

Details

Rates and fees information correct as at 28 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.85% (4.52%*)

2.75% (4.35%*)

2.65% (4.17%*)

n/a

3.55% (4.25%*)

n/a

n/a

4.64% p.a.
Fees

$0.00

$440.00

$242.00

$0.00

n/a

$0.00

$350.00
Other financial bits

$150,000

none

none

95.00%
Features

Monthly

yes - free for amounts up to 15% of minimum monthly repayment

no

yes - fees apply

$0.00

yes

no

Valuation and legal fees charged at cost. Lenders Mortgage Insurance required for loans above 80% LVR.

$6 monthly account keeping fee waived on the Everyday account.

none

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.

Details

Rates and fees information correct as at 28 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.85% (4.76%*)

2.75% (4.56%*)

2.65% (4.36%*)

n/a

3.55% (4.40%*)

n/a

n/a

4.90% p.a.
Fees

$0.00

$440.00

$242.00

$0.00

n/a

$0.00

$350.00
Other financial bits

$150,000

none

none

95.00%
Features

Monthly

yes - free for amounts up to 15% of minimum monthly repayment

no

yes - fees apply

$0.00

yes

no

Valuation and legal fees charged at cost. Lenders Mortgage Insurance required for loans above 80% LVR.

$6 monthly account keeping fee waived on the Everyday account.

none

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.

Customer Reviews

How are Illawarra Credit Union home loans rated by the Mozo community?

Overall
7.2/10
Price
6.9/10
Features
7.0/10
Customer service
7.4/10
Convenience
6.7/10
Trust
7.3/10
Based on 12 Illawarra Credit Union home loan reviews

About Illawarra Credit Union

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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