We have designed a variety of home loans to satisfy the needs of you, our Members. Whether you are buying your first home, refinancing or looking to buy an Investment property, we have something to suit you.
Discounted Variable Rate Home Loan
Get a head start with this low discounted rate for the first 2 years of your loan.
-
1% discount off the Standard Variable rate for first 2 years
-
Free Online Redraw
-
No account keeping fees
Request a Home Loan Key Fact Sheet
|
Owner Occupied
3.45% pa
variable interest rate
4.31% pa*
comparison rate
Investment
3.64% pa
variable interest rate
4.50% pa*
comparison rate
|
|
|
Features |
|
Discounted Variable Rate Home Loan |
|
Minimum amount |
$150,000 |
|
Maximum amount |
80% of property value
90% of property value with Mortgage Insurance (Investment)
95% of property value with Mortgage Insurance (Owner Occupied) |
|
Maximum loan period |
Up to 30 years |
|
Establishment fee |
$250 |
|
Legal fees |
At cost |
|
Valuation fees |
At cost |
|
Monthly fee |
Nil |
|
Flexible Repayments |
Weekly/fortnightly/monthly |
|
Interest charges |
Calculated daily, charged monthly |
|
Redraw facility |
Free online redraw, $20 fee if processed manually, minimum amount $500 |
|
Offset facility |
No |
|
Top up facility available |
Yes |
|
Unlimited extra repayments allowed |
Yes |
|
Split with fixed and variable options |
No |
|
Bridging Finance |
No |
|
Time out option |
No |
|
Power Home Loan Package
The Power home loan package enables you to bundle some of our great products together. Be rewarded today with one low annual fee and interest savings helping you own your home sooner.
-
No establishment fees
-
100% mortgage offset2
-
Flexibility to manage up to two loans for one annual fee7
-
Free Online redraw
-
Interest rate discounts on personal and car loans4
-
Bonus rates on term deposits5
Request a Home Loan Key Fact Sheet
|
Owner Occupied
From
3.55%pa
variable interest rate
3.98%pa*
comparison rate
Investment
From
3.74%pa
variable interest rate
4.16%pa*
comparison rate
|
|
|
Features |
|
Power Home Loan Package |
|
Minimum amount |
$10,000 |
|
Maximum amount |
80% of property value;
90% of property value with mortgage insurance (Investment)
95% of property value with mortgage insurance (Owner Occupied) |
|
Loan period |
Up to 30 years |
Discounted Interest Rates
(Off Standard Variable home loan rate)9 |
0.10%pa
$10,000 - $150,000
0.50%pa
$150,001 - $250,000
0.60%pa
$250,001 - $400,000
0.90%pa
$400,001+
|
|
Annual fee |
$400.00 |
|
Legal fees |
At cost |
|
Valuation Fees |
At cost |
|
Flexible repayments |
Weekly/fortnightly/monthly |
|
Establishment fee |
Nil |
|
Interest charges |
Calculated daily, charged monthly |
|
Redraw facility |
Free online redraw, $20 fee if processed manually, minimum amount $500 |
|
Offset facility2 |
Yes – 100% linking to one variable rate loan |
|
Top up facility Available |
Min $10,000 |
|
Monthly account keeping/service fees |
No |
|
Annual fee on Visa Credit Card |
No |
|
Unlimited extra repayments allowed |
Yes (Unrestricted on variable rate loans) |
|
Interest rate discounts on Personal and Car loans4 |
Yes (2%pa off standard personal and car loan rates) |
|
Bonus rate on term deposits5 |
Yes (0.25%pa above standard term deposit rates) |
|
Time out option |
Yes |
|
Early repayment without penalty |
Yes (Unrestricted on variable rate loans) |
|
Terms and Conditions - Power Home Loan |
Click here to view Terms and Conditions |
|
SPECIAL Low Rate Home Loan
A great home loan if you are looking for a low rate for the life of your loan.
-
No Valuation fee
-
No Mortgage Prep fees
-
100% mortgage offset
-
Free Online Redraw
-
Low Monthly fee
-
Flexible repayment options
-
No penalty for early repayment
Request a Home Loan Key Fact Sheet
|
Owner Occupied only
From
3.91%pa
variable interest rate
4.06%pa*
comparison rate
|
|
|
Features |
|
SPECIAL Rate Home Loan |
|
Minimum Loan Amount |
$150,000 |
|
Maximum Loan Amount |
80% of property value, 95% of property value with mortgage insurance
|
|
Loan Period |
Up to 30 years |
|
Valuation Fee |
Nil (one free residential valuation per loan application) |
|
Mortgage Prep Fee |
Nil (Free preparation of one set of mortgage documents per loan application) |
|
Establishment Fee |
$250 |
|
Low Monthly Fee |
$10 per month |
|
Legal Fees |
At cost |
|
Flexible Repayments |
Weekly/fortnightly/monthly |
|
Interest Charges |
Calculated daily, charged monthly |
|
Redraw Facility |
Free online redraw, $20 fee if processed manually, minimum amount $500 |
|
Time out option |
Yes |
|
Top up facility |
Yes |
|
Variable & lump sum repayments |
Yes |
|
Early repayment without penalty |
Yes |
|
Home Equity Loan
Our Home Equity Loan allows you to borrow against the portion of your home that you own. This is the difference between the amount you owe on your home loan and the value of the property. You can use the funds for whatever you like. Take advantage of other investment opportunities, take that dream holiday, or use it to make improvements to your home.
-
Access the equity in your home
-
Free online redraw
-
Flexible repayment options
-
No penalty for early payout
-
Save interest on your home loan
Request a Home Loan Key Fact Sheet
|
Owner Occupied
From
5.45%pa
variable interest rate
5.49%pa*
comparison rate
Investment
From
5.64%pa
variable interest rate
5.68%pa*
comparison rate
|
|
|
Features |
|
New Home Equity Loan |
|
Minimum amount |
$5,000 |
|
Maximum amount |
80% of property value
|
|
Loan period |
Up to 30 years |
|
Valuation fee |
At cost |
|
Establishment Fees |
$250 |
|
Legal Fees |
At cost |
|
Flexible repayments |
Weekly/fortnightly/monthly |
|
Interest charges |
Calculated daily, charged monthly |
|
Free Redraw facility |
Yes |
|
Time out option |
Yes |
|
Top up facility |
Yes (No minimum amount) |
|
Variable and lump sum repayments |
Yes |
|
Early repayment without penalty |
Yes |
|
Standard Variable Home Loan
Our most popular home loan – everything you need and a low rate.
-
Options to split with variable and fixed rates
-
Optional low-rate VISA Credit Card with no annual fee, reliant on relationship with Credit Union of over $100,000.
-
Time out – repayment pause available
-
And much more
Request a Home Loan Key Fact Sheet
|
4.45% pa
variable interest rate
4.49% pa*
comparison rate
|
|
|
Features |
|
Standard Variable Home Loan |
|
Maximum amount |
80% of property value;
95% of property value with mortgage insurance |
|
Flexible repayments |
Weekly, fortnightly or monthly |
|
Redraw facility |
Free online redraw, $20 fee if processed manually, minimum amount $500 |
|
Offset facility |
Yes - 100% |
|
Time out option |
Yes |
|
Top-up facility |
Yes |
|
Bridging finance |
Yes |
|
Establishment fee |
$250 |
|
Pre-approved $2000 credit card |
Yes |
|
FEE FREEDOM |
Yes |
|
First Home Buyer’s Home Loan
A loan specifically designed for those eligible for the First Home Owner’s Grant.
-
Discounted variable rate for the first 3 years, then reverts to Standard Variable
-
Family guarantee option
-
100% mortgage offset
-
We lodge the grant application for you and pay up to $600 of your valuation and legal costs.
Request a Home Loan Key Fact Sheet
|
3.95% pa
variable interest rate
4.36% pa*
comparison rate
|
|
|
Features |
|
First Home Buyer’s Home Loan |
|
Maximum amount |
80% of property value;
95% of property value with mortgage insurance |
|
Flexible repayments |
Weekly, fortnightly or monthly |
|
Redraw facility |
Free online redraw, $20 fee if processed manually, minimum amount $500. |
|
Offset facility |
Yes - 100% |
|
Time out option |
Yes |
|
Top-up facility |
Yes |
|
Split with fixed and variable rates |
No |
|
Establishment fee |
$250 |
|
FEE FREEDOM |
Yes |
|
Basic Home Loan
A great home loan if you are looking for a low rate for the life of your home loan.
-
Discount on standard variable rate
-
Redraw available
-
No monthly account keeping fees
Request a Home Loan Key Fact Sheet
|
Owners Occupied
4.20% pa
variable interest rate
4.24% pa*
comparison rate
Investment
4.39% pa
variable interest rate
4.43% pa*
comparison rate
|
|
|
Features |
|
Basic Home Loan |
|
Minimum amount |
$150,000 |
|
Maximum amount |
80% of property value;
90% of property value with mortgage insurance (Investment)
95% of property value with mortgage insurance (Owner Occupied) |
|
Flexible repayments |
Weekly, fortnightly or monthly - allowed up to $5,000 per year |
|
Redraw facility |
Yes, minimum amount $500, manual process $50 fee |
|
Top-up facility |
Yes |
|
Establishment fee |
$250 |
|
FEE FREEDOM |
Yes |
|
Investment Home Loan
Looking for an investment property? Save on your investment with us.
-
Borrow up to 100%
-
Options to split with variable and fixed rates
-
Optional low-rate VISA Credit Card with no annual fee, reliant on relationship with Credit Union of over $100,000.
-
100% mortgage offset
Request a Home Loan Key Fact Sheet
|
4.64% pa
variable interest rate
4.68% pa*
comparison rate
|
|
|
Features |
|
Investment Home Loan |
|
Maximum amount |
80% of property value;
90% of property value with mortgage insurance |
|
Flexible repayments |
Weekly, fortnightly or monthly |
|
Redraw facility |
Free online redraw, $20 fee if processed manually, minimum amount $500 |
|
Offset facility |
Yes - 100% |
|
Time out option |
Yes |
|
Top-up facility |
Yes |
|
Split with fixed and variable rates |
Yes |
|
Establishment fee |
$250 |
|
Optional pre-approved $2000 credit card |
Yes |
|
FEE FREEDOM |
Yes |
|
More Information
Apply
Apply for a Home Loan
Click here to Download an Application.
Questions?
If you have any questions, please contact us 
*Comparison rate calculated on a $150,000 loan amount over a term of 25 years with monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Lending criteria, terms and conditions, fees and charges apply.
