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Illawarra Credit Union Bare Essentials

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 principal & interest loan between $150,000 and $800,000 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 (Principal & Interest)

    LVR < 95%

    Loan: $150,000 $800,000

  • 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

Rate
2.59% p.a.
Comparison Rate
2.64% p.a.
Service fee
$0.00
Upfront fee
$682
Rate
2.45% p.a.
Comparison Rate
2.50% p.a.
Service fee
$0.00
Upfront fee
$682
Rate
3.85% p.a.
Comparison Rate
3.90% p.a.
Service fee
$0.00
Upfront fee
$682
Rate
3.19% p.a.
Comparison Rate
3.24% p.a.
Service fee
$0.00
Upfront fee
$682
Rate
3.39% p.a.
Comparison Rate
3.44% p.a.
Service fee
$0.00
Upfront fee
$682

Details

Rates and fees information correct as at 18 January 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
  • 2.59% p.a.

  • n/a

  • n/a

  • n/a

  • 2.64% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • 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 18 January 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
  • 2.45% p.a.

  • n/a

  • n/a

  • n/a

  • 2.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $440.00

  • $242.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $150,000

  • $800,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $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 18 January 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
  • 3.85% p.a.

  • n/a

  • n/a

  • n/a

  • 3.90% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • 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 18 January 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
  • 3.19% p.a.

  • n/a

  • n/a

  • n/a

  • 3.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • 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 18 January 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
  • 3.39% p.a.

  • n/a

  • n/a

  • n/a

  • 3.44% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • 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
6.8/10
Features
6.9/10
Customer service
7.4/10
Convenience
6.5/10
Trust
7.2/10
Thumbnail icon for Illawarra Credit Union

About Illawarra Credit Union

Illawarra Credit Union is a community credit union, that uses its profits to improve products and services offered to its customers, in the Illawarra region. Illawarra offers its customers with competitive products and services in home and personal loans, credit cards, car loans, savings accounts, term deposits and debit cards. Illawarra provides financial solutions complimented with customer service.

See Illawarra Credit Union home loans

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Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.09% p.a.
fixed 3 years

3.67% p.a.

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.09% p.a.
fixed 3 years

3.67% p.a.

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

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Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

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Suncorp

Back to Basics

2.54% p.a.

2.55% p.a.

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Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

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loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.09% p.a.
fixed 3 years

3.67% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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Qudos Bank

Fixed Rate Home Loan

2.19% p.a.
fixed 3 years

2.68% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

$0.00

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

$0.00

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

$0.00

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

$0.00

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Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

$0.00

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GMCU

Basic Variable

2.33% p.a.variable for 24 months and then 3.82% p.a.

3.71% p.a.

$8.00 monthly

Thumbnail icon for Suncorp

Suncorp

Back to Basics

2.54% p.a.

2.55% p.a.

$0.00

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

$0.00

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.