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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 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

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 95% $150,000
Owner Occupier Interest Only < 95% $150,000
Investor Principal & Interest < 95% $150,000
Investor Interest Only < 95% $150,000
  • 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
Rate
6.84% p.a.
Comparison Rate
6.94% p.a.
Service fee
$0.00
Upfront fee
$1,290
Rate
7.29% p.a.
Comparison Rate
7.39% p.a.
Service fee
$0.00
Upfront fee
$1,290
Rate
7.44% p.a.
Comparison Rate
7.54% p.a.
Service fee
$0.00
Upfront fee
$1,290
Rate
7.89% p.a.
Comparison Rate
7.99% p.a.
Service fee
$0.00
Upfront fee
$1,290

Details

Rates and fees information correct as at 15 April 2024. 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

6.84% p.a.

n/a

n/a

n/a

6.94% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

$440.00

$250.00

$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 are charged at cost. Lenders Mortgage Insurance is required for loans above 80% LVR. Staff assisted redraw fee is $50.

$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 15 April 2024. 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

7.29% p.a.

n/a

n/a

n/a

7.39% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

$440.00

$250.00

$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 are charged at cost. Lenders Mortgage Insurance is required for loans above 80% LVR. Staff assisted redraw fee is $50.

$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 15 April 2024. 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

7.44% p.a.

n/a

n/a

n/a

7.54% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

$440.00

$250.00

$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 are charged at cost. Lenders Mortgage Insurance is required for loans above 80% LVR. Staff assisted redraw fee is $50.

$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 15 April 2024. 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

7.89% p.a.

n/a

n/a

n/a

7.99% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

$440.00

$250.00

$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 are charged at cost. Lenders Mortgage Insurance is required for loans above 80% LVR. Staff assisted redraw fee is $50.

$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
Price
Features
Customer service
Convenience
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About Illawarra Credit Union

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Variable

5.99% p.a. variable

5.90% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

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Police Bank

Police Value Home Loan (Fixed)

5.79% p.a.
fixed 3 years

6.26% p.a.

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ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

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BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

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HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

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ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

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Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a. variable

6.00% p.a.

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Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Police Bank
Police Bank

Police Value Home Loan (Fixed)

p.a.

6.26% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

Thumbnail icon for BCU Bank
BCU Bank

Fixed Rate Home Loan

p.a.

6.30% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for BCU Bank
BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

$10.00 monthly

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

$0.00

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a.

6.09% p.a.

$0.00

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a.

6.20% p.a.

$0.00

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

$0.00

Thumbnail icon for ubank
ubank

Flex Home Loan

6.24% p.a.

6.48% p.a.

$250.00 yearly

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

$248.00 yearly

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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