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 about 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 over 2 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 over 3 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 over 4 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 almost 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 about 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 over 7 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 over 7 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 about 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 Homebuyer Special (Owner Occupier, Principal & Interest)

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

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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: $1,000,000
    • 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

    Featured product

     

    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
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% 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: $700,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians 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)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • 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

  • 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

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    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: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • 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

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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