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Intech Credit Union Home Loans

Intech Credit Union was created to cater to the employees of what is now Telstra and later, to service employees of IBM. Intech aims to be a one-stop shop for all members’ financial needs and still focuses on people in the information communications and technology (ICT) sectors in Australia, including employees of Telstra and IBM.  As a credit union, Intech customers are both members and owners.

Intech is a full service institution, offering a range of products like home loans and savings accounts, financial advice and foreign exchange transactions. Just like the major banks, Intech is an Authorised Deposit Taking Institution regulated by the Australian Prudential Regulation Authority.

Intech Credit Union All in One Mortgage Master

Intech Credit Union Fixed Rate Loan

Intech’s Fixed Rate Home Loan lets you fix your interest rate for one, two, three or five years and choose between principal and interest or interest-only repayments. Borrowers can split their loan into variable and fixed portions. You can make limitedextra repayments each year and there are noongoing fees although the upfront fees are high.

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Intech Credit Union Classic Loan

Intech’s Classic Home Loan is a standard variable rate home loan that is a flexible mortgage with no ongoing fees. While the interest rate on this product is moderately high, this home loan features a 100 per cent offset account, extra repayments without penalty, a redraw facility and the option to split your loan between variable and fixed interest portions.

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Intech Credit Union Interest Only Loan

Home Loans from Intech Credit Union

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Pros
  • Flexible home loans options, including equity loans.
  • No ongoing fees on most home loans.
  • Flexible borrowing limits.
  • Up-to-date financial technology and website.
Cons
  • Must be a member.
  • Limited branch access.
  • Limited fixed loan terms.
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Customer Service

Intech has branches in Melbourne and Sydney and members can access their accounts and funds with no direct charges through the rediATM network, which includes the thousands of NAB terminals and Cashcard ATMs around Australia. Members also have 24/7 access to their accounts via a mobile banking app, internet banking and telephone banking facilities. You can also set up regular alerts so that you can receive a SMS when certain events happen on your account as well as send SMS and email inquiries.

  • Customer service centre (phone)
  • Mobile app
  • SMS alerts and inquiries
  • Online banking
  • Email
  • Branches in Melbourne and Sydney
Applying and Eligibility

Membership of Intech is open to all employees within the information and communications technology industry and their families. You must be over 18 years of age to apply for a home loan, have a good credit rating and be a permanent Australian resident. Documents you need to apply for a home loan include:

  • Personal identification material including driver’s license.
  • Your employer's address and contact number.
  • For self-employed applicants, your accountant's name and contact details.
  • Details of your income, assets and liabilities.
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