Holiday Coast Credit Union home loan reviews

Holiday Coast Credit Union
Holiday Coast Credit Union's overall rating for home loans

(as rated by the Mozo community)

7.9 / 10

based on 17 reviews

Price

Features

Customer service

Convenience

Trust

Recent Holiday Coast Credit Union home loan reviews

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   5 / 10

Good bank

They are good bank, just wish they were 24/7.

Full review

They are good bank, just wish they were 24/7.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   4 / 10

    Trust   5 / 10

Less

R, New South Wales, reviewed about 3 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   7 / 10

Competitive and low interest rates

Holiday coast credit union has a vast range of products. I find they have a decent low interest rate.

Full review

Holiday coast credit union has a vast range of products. I find they have a decent low interest rate.

    Price   6 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Natalie, New South Wales, reviewed over 3 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   10 / 10

Exceptional service

Local credit union, that is where the real value for money is. Local owned, local staff and local decisions.

Full review

Local credit union, that is where the real value for money is. Local owned, local staff and local decisions.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Karen, New South Wales, reviewed over 3 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   5 / 10

thankyou

I like my bank as its very cheap. My bank they have lovely stuff aswell I trust my bank been with them now for 8 years. They know who I am and my name. They look after my money. I thank you to my bank for being very helpful and supportive.

Full review

I like my bank as its very cheap. My bank they have lovely stuff aswell I trust my bank been with them now for 8 years. They know who I am and my name. They look after my money. I thank you to my bank for being very helpful and supportive.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Karen, , reviewed almost 4 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   9 / 10

Informative, helpful, friendly and trustworthy

Friendly, smiling assistants and manager, remember your names and treat you as people. I like that. Also set up my online banking with clear, precise information and are very helpful if I require anything. Would have to be a super deal from...

Full review

Friendly, smiling assistants and manager, remember your names and treat you as people. I like that. Also set up my online banking with clear, precise information and are very helpful if I require anything. Would have to be a super deal from another bank for me to change.

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Brian, New South Wales, reviewed about 4 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   10 / 10

Fantastic customer service

The staff of this bank are fantastic. They go out of their way to be helpful. I can go into the bank stressed, and come out with a smile. I have other banks, but this is my favourite.

Full review

The staff of this bank are fantastic. They go out of their way to be helpful. I can go into the bank stressed, and come out with a smile. I have other banks, but this is my favourite.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Kathy, New South Wales, reviewed over 4 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   0 / 10

No longer 'people before profit'

I have been with the HCCU for over 20 years, until recent times they were OK, not the best but OK. 5 years ago I applied for a home loan and they rejected my application, they thought I couldn't pay it back. Another bank did approve it and I am...

Full review

I have been with the HCCU for over 20 years, until recent times they were OK, not the best but OK. 5 years ago I applied for a home loan and they rejected my application, they thought I couldn't pay it back. Another bank did approve it and I am 35,000 in front of the curve in spite of the HCCU. Besides, their interest rates for home loans is too high. I am very disillusioned with their attitude towards their loyal customers. I am now about to close my accounts with them and move to another institution.

    Price   0 / 10

    Features   0 / 10

    Customer service   5 / 10

    Convenience   7 / 10

    Trust   4 / 10

Less

Ian, New South Wales, reviewed almost 5 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   9 / 10

Service above and beyond the norm!

We have been so well looked after since joining HCCU when we took a home loan with them. They have gone beyond the call of duty on several occasions to ensure the best rate and best deal for us. Could not recommend them highly enough.

Full review

We have been so well looked after since joining HCCU when we took a home loan with them. They have gone beyond the call of duty on several occasions to ensure the best rate and best deal for us. Could not recommend them highly enough.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   9 / 10

Less

Belinda , New South Wales, reviewed almost 5 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   10 / 10

Staff are always finding ways to help customers

I am updated on changes to my interest rates regularly, and they offered assistance to save and pay the loan quickly, phone contact with staff is very helpful.

Full review

I am updated on changes to my interest rates regularly, and they offered assistance to save and pay the loan quickly, phone contact with staff is very helpful.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Gail, New South Wales, reviewed about 5 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   8 / 10

Compassionate service and advice

Could possibly adjust interest rates quicker when rates change in favour of the borrower. Already adjust quickly when rates go up.

Full review

Could possibly adjust interest rates quicker when rates change in favour of the borrower. Already adjust quickly when rates go up.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Sandra, New South Wales, reviewed almost 6 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   9 / 10

Very good in all aspects

Could not be happier with them.

Full review

Could not be happier with them.

    Price   7 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   9 / 10

Less

Brad, New South Wales, reviewed almost 6 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   9 / 10

Friendly staff, super service!

It is great that they are locally situated, the staff are friendly and the service is great. Sure it would be great to have lower interest rates and no fees, however, we are happy enough with what they offer to stay with them.

Full review

It is great that they are locally situated, the staff are friendly and the service is great. Sure it would be great to have lower interest rates and no fees, however, we are happy enough with what they offer to stay with them.

    Price   8 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Leesa, New South Wales, reviewed over 6 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   8 / 10

it was very easy to obtain our loan through them.very willing with information regarding payments or evn extra payments.if we have a problem we pop in to see tem anytime .very hlpful and friendly

Full review

it was very easy to obtain our loan through them.very willing with information regarding payments or evn extra payments.if we have a problem we pop in to see tem anytime .very hlpful and friendly

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Les, New South Wales, reviewed over 6 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   7 / 10

While Holiday Coast Credit Union does not have the absolute cheapest interest rates, they were a little more flexible on qualifying for a building loan than many of the larger banks. I`d recommend them for Owner Builders who want an extended...

Full review

While Holiday Coast Credit Union does not have the absolute cheapest interest rates, they were a little more flexible on qualifying for a building loan than many of the larger banks. I`d recommend them for Owner Builders who want an extended period of time to complete their home.

    Price   6 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   7 / 10

Less

Nikki, New South Wales, reviewed almost 7 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   10 / 10

Sue and her staff are absolutely fantastic. They are always helping us with any enquiries we have. They act efficiently and speedily to solve any problem we may have.

Full review

Sue and her staff are absolutely fantastic. They are always helping us with any enquiries we have. They act efficiently and speedily to solve any problem we may have.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Vicki, Western Australia, reviewed about 7 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   10 / 10

The staff go out of their way to help. i.e don't go to lunch try to fix any problem you are having and follow up with phone calls at home to make sure you are 100% happy. Rates on all loan are a lot lower than the others as is the flexibility of...

Full review

The staff go out of their way to help. i.e don't go to lunch try to fix any problem you are having and follow up with phone calls at home to make sure you are 100% happy. Rates on all loan are a lot lower than the others as is the flexibility of all loans. Overall they are a fantastic lending institution helpful kind and a valuable asset to the community

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Deb, New South Wales, reviewed over 7 years ago

Holiday Coast Credit Union

Holiday Coast Credit Union home loan review

Overall rating   9 / 10

HCCU looks after the interests of their Members, not shareholders. They remain competitive, because without the need to continue to provide record profits year on year, their costs are lower. This results in good packages for Members and better...

Full review

HCCU looks after the interests of their Members, not shareholders. They remain competitive, because without the need to continue to provide record profits year on year, their costs are lower. This results in good packages for Members and better customer service.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Gareth, New South Wales, reviewed about 8 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 79 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

*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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*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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