Illawarra Credit Union home loan reviews

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

(as rated by the Mozo community)

7.8 / 10

based on 10 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, New South Wales, reviewed about 3 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, New South Wales, reviewed over 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, Victoria, reviewed over 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

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Sarah, New South Wales, reviewed over 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, New South Wales, reviewed almost 7 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

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Karen, New South Wales, reviewed about 7 years ago

Illawarra Credit Union

Illawarra Credit Union home loan review

Overall rating   9 / 10

They go out of their way to assist .. access is a problem since they moved to campbelltown mall

Full review

They go out of their way to assist .. access is a problem since they moved to campbelltown mall

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   6 / 10

    Trust   9 / 10

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Marella, New South Wales, reviewed about 7 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

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Rebecca, New South Wales, reviewed over 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, New South Wales, reviewed over 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, New South Wales, reviewed about 9 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 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

  • 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

  • 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

  • Homestar Variable Rate Loan (LVR 70-80%, Owner Occupier, Principal & Interest)

    Homestar Variable Rate Loan (LVR 70-80%, Owner Occupier, Principal & Interest)

    • No annual or monthly fees
    • 100% offset account available
    • Free online redraw

    interest rate

    3.54% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $567

    Go to site

    More info

    • No annual or monthly fees
    • 100% offset account available
    • Free online redraw
    • Interest rate: 3.54% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $567
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $749,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.3

    Based on 19 Homestar home loan reviews

    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.

Want more? Compare all 499 home loans in the Mozo comparison engine.

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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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