Illawarra Credit Union home loan reviews

Illawarra Credit Union
Illawarra Credit Union's overall rating for home loans

(as rated by the Mozo community)

6.0 / 10

based on 3 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Illawarra Credit Union

Recent Illawarra Credit Union home loan reviews

Illawarra Credit Union

Illawarra Credit Union Fixed Rate Lite (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Reward loyalty and very good interest rates.

Always willing to listen and negotiate best product and interest rate option.

Full review

Always willing to listen and negotiate best product and interest rate option.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Susan (NSW), reviewed over 2 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   10 / 10

Good rate

I'm locked in for 1% lower than the normal rate for the entire loan.

Full review

I'm locked in for 1% lower than the normal rate for the entire loan.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Michael (NSW), reviewed almost 3 years ago

Illawarra Credit Union

Illawarra Credit Union Fixed Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   0 / 10

Heartless

Would not recommend.

Full review

Would not recommend.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Claudia (VIC), reviewed almost 4 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   10 / 10

Awesome

Only bank that would give a home loan to a young couple I really appreciate the extent they have been helpful to us.

Full review

Only bank that would give a home loan to a young couple I really appreciate the extent they have been helpful to us.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Sarah (NSW), reviewed almost 5 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   9 / 10

All I can say is I am so pleased with the Illawarra Credit Union the staff go out of there way to help you in every way possible it is nothing for one of the local girls to ring and tell you how they can save you money. They look after their...

Full review

All I can say is I am so pleased with the Illawarra Credit Union the staff go out of there way to help you in every way possible it is nothing for one of the local girls to ring and tell you how they can save you money. They look after their interest by looking after my money the best way to save me extra costs.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Arthur watts (NSW), reviewed over 6 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   10 / 10

I have been with ICU for over 10 years, the rates are competitive, the staff are extremely helpful and "local". When on the very odd occasion a problem arises they resolve it quickly, efficiently and with fantastic friendliness and a respectful...

Full review

I have been with ICU for over 10 years, the rates are competitive, the staff are extremely helpful and "local". When on the very odd occasion a problem arises they resolve it quickly, efficiently and with fantastic friendliness and a respectful attitude to its members. They send movie tickets at anniversaries which is a small thing but appreciated.The staff ask YOU if there is anything you might need ie.insurance etc but "DO NOT" try to up sell incessantly until you are driven crazy like other financial institutions.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Karen (NSW), reviewed over 6 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   5 / 10

ICU Home loans do no accommodate flexible payment terms and options. Straight forward loans are probably fine, but once you try to throw in some investments and other options they go into meltdown.

Full review

ICU Home loans do no accommodate flexible payment terms and options. Straight forward loans are probably fine, but once you try to throw in some investments and other options they go into meltdown.

    Price   5 / 10

    Features   2 / 10

    Customer service   4 / 10

    Convenience   1 / 10

    Trust   3 / 10

Less

Rebecca (NSW), reviewed almost 8 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   7 / 10

They are friendly and you are not just a number to them but a real person.

Full review

They are friendly and you are not just a number to them but a real person.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   6 / 10

    Trust   8 / 10

Less

Rachel (NSW), reviewed almost 8 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   10 / 10

ICU home loan staff are wonderful, they will help with any problems that you have, they bend over backwards to help with any concerns. Nothing is a problem for them.

Full review

ICU home loan staff are wonderful, they will help with any problems that you have, they bend over backwards to help with any concerns. Nothing is a problem for them.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Julieanne (NSW), reviewed over 8 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    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

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • Refinance your home loan and get a surprise bonus $1000 into a USaver account (Offer conditions apply)
    • 20% minimum deposit required

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • Refinance your home loan and get a surprise bonus $1000 into a USaver account (Offer conditions apply)
    • 20% minimum deposit required
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Bankwest Complete Variable Home Loan Special (LVR<=89%, Owner Occupier, Principal & Interest) (Package)

    Bankwest Complete Variable Home Loan Special (LVR<=89%, Owner Occupier, Principal & Interest) (Package)

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application

    interest rate

    3.70% p.a. variable

    comparison rate*

    4.13% p.a.

    upfront fees

    $250

    Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application
    • Interest rate: 3.70% p.a. variable
    • Comparison rate*: 4.13% p.a.
    • Upfront fees: $250
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 315 Bankwest home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 864 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Home Lender of the Year 2018

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Home Lender of the Year 2018
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

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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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