Switch and save with a low variable rate and no ongoing fees.
Looking to refinance from another lender? This loan gives you a discounted variable rate with no ongoing fees - plus the freedom to make extra repayments and redraw when you need to.
This special offer is perfect for homeowners looking to refinance and save. If you're ready to switch from another lender, this loan gives you a competitive variable rate, no ongoing fees, and the flexibility to manage your loan on your terms. It's ideal for both owner-occupiers and investors who want greater value without compromising on features.
Home Loans |
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|---|---|
| Minimum Loan Amount : | $10,000 |
| Loan Period : | Up to 30 years |
| Repayments : | Weekly, fortnightly or monthly |
| Interest Charges : | Calculated daily, charged monthly |
| Interest Only : | No |
| Establishment Fee : | $395 |
| Account Keeping Fees : | Nil |
| Variable and Lump Sum Repayments : | Yes |
| Flexible and Lump Sum Repayments : | Yes |
| Early Repayment without Penalty : | Yes |
| Redraw facility : | Yes, (free redraw, minimum amount $100) |
| Top up facility available : | Yes - No minimum amount |
| Offset facility available : | Yes |
| Interest rate | Comparison rate | |
| Refi Home Loan - Owner Occupied Variable | 5.14% p.a. | 5.22% p.a. |
| Refi Home Loan - Investment Variable | 5.99% p.a. | 6.07% p.a. |
| Document or Information | View or Download |
| Fees, charges and limits | Learn more → |
| Target market determinations | Learn more → |
| Interest rates | Learn more → |
| Important documents | Learn more → |
| Calculators | Learn more → |
Apply online, visit a branch or call us today to speak with a lending specialist. We’re here to help you make your home ownership journey smooth and affordable.
Got a question on Home Loans? View all our FAQs here.
The Credit Union is a mutual financial services organisation and as such is owned by its Members, each one of whom is a shareholder. Therefore you must be a member of the credit union to have a loan.
The amount you can borrow is dependent on the type of loan you apply for. The actual amount you can borrow is, however, determined by your ability to meet the repayments of the loan and the value of the loan security. Want to calculate how much you could borrow? Use one of our loan calculators.
The Credit Union gives you the option of making extra repayments on your loan and therefore save money in interest changes and than having the flexibility of being able to redraw on these extra repayments. You need to have your loan in advance by at least your next agreed loan repayment plus $100 and the minimum redraw is $100. Redraws are Free!
We’ve been helping transport workers, their families, and the wider community reach their financial goals for over 50 years. As a member-owned credit union, everything we do is designed to benefit you - not big bank profits.
Terms and conditions, fees and charges and approval conditions apply.
