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Standard Variable Home Loan

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • 100% full offset account
  • Suitable for low deposits
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$0 - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$489,600View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $15
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$1040
Application fee
Application fee$350
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$240
Legal fee
Legal fee
$450
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$0 - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$489,600View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $15
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$1040
Application fee
Application fee$350
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$240
Legal fee
Legal fee
$450
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300

ECU Australia is a Queensland-based credit union that was founded in 1973 to serve Queensland’s electricity industry staff. Now open to Australians nationwide, ECU Australia has a membership base of over 12,000 people.

Like all credit unions ECU Australia isn’t beholden to any shareholders, which means profits can be passed back to members through competitive interest rates.

ECU Australia aims to offer an alternative to the big four banks and provides a range of everyday banking products, insurance, credit cards and home loans.

ECU Home Loan Calculator  
Interested in an ECU home loan? RateCity has a suite of calculators that can show you what your repayments would be and how ECU compares to its competitors. Simply plug in your borrowing amount below.

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