Variable Home Loan Package

Our Variable Home Loan Package is ideal for those seeking significant flexibility. The Credit Union SA Variable Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395 and in return you’ll save an absolute bundle.
Category: Home Loans  Last Updated March 4, 2025  Effective July 31, 2016

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner Occupied P&I Package Variable ≤60% LVR
Interest Rate
5.79% PA
Comparison Rate
6.16%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 6.04%
  • Lending Rate Type: Variable
  • Interest Rate: 6.04%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.99%
  • Lending Rate Type: Variable
  • Interest Rate: 6.99%, Comparison Rate 6.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 5.84%
  • Lending Rate Type: Variable
  • Interest Rate: 5.84%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.74%
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 7.10%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, VARIABLE, 5.97%
  • Lending Rate Type: Variable
  • Interest Rate: 5.97%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.27%
  • Lending Rate Type: Variable
  • Interest Rate: 6.27%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.29%
  • Lending Rate Type: Variable
  • Interest Rate: 6.29%, Comparison Rate 6.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.74%
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 6.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.34%
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.04%
  • Lending Rate Type: Variable
  • Interest Rate: 6.04%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: No loan application or monthly fee
  • Redraw Additional Information: Extra repayments can be withdrawn at no cost
  • Offset Additional Information: Can be 100% offset when linked to a Home Loan Offset Account

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Citizen Or Permanent Resident.

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: 0.00.
  • Increase An Existing Home Loan Package (Event), Amount: 0.00.
  • Annual Fee (Periodic), Amount: 395.00.
  • Settlement Fee (Upfront), Amount: 0.00.
  • Split Loan Fee (Event), Amount: 150.00.
  • Split Loan Fee (Event), Amount: 100.00.
  • Guarantor Application Fee (Event), Amount: 200.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00 Additional Information: Minimum loan amount
  • Max Limit of No Limit Additional Information: Maximum loan amount

 Document Downloads

      brc-1035.pdf (1 M)

      brc-1062-hl-int-rates.pdf (96 K)