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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
  • Parents can sign as guarantor
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees-0

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$20k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$442,080View 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: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$360
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$360
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$210
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$20k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$442,080View 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: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$360
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$360
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$210

Select Encompass Credit Union was formed through the merger of Select Credit Union and Encompass Credit Union on 1 July 2016. Members own the credit union through its mutual structure and all profits are reinvested in the credit union to benefit members. Select Encompass assists in the financial education of youth and supports financial development projects in Laos and Bhutan.

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

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