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Fixed Investment Loan Package (Principal and Interest) 3 Years

Special$5,000 First Home Buyers Grant on eligible loans 
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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • No upfront fees
  • Suitable for low deposits
  • Extra repayments + redraw services
  • Free redraw facility
Cons:
  • Limited extra repayments
  • Annual fee charged
  • Discharge fee at end of loan
  • Repayments won't decrease if RBA cuts rates
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Fees and Features

Maximum LVR
Maximum LVR
97%
Interest rate structure
Interest rate structure
Fixed - 3 years
Borrowing range
Borrowing range
$150k - $100m
Total repayments
Total repayments
$381,000
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesSA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$0
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$395 annually
Discharge fee
Discharge fee
$350
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
97%
Interest rate structure
Interest rate structure
Fixed - 3 years
Borrowing range
Borrowing range
$150k - $100m
Total repayments
Total repayments
$381,000
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesSA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$0
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$395 annually
Discharge fee
Discharge fee
$350
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
  • Special $5,000 First Home Buyers Grant on eligible loans
    When you borrow at least $250,000 to purchase or build a first home with a loan to value ratio over 80%. All loans that are eligible for the First Home Buyers Grant will be subject to pay Lenders’ Mortgage Insurance. To be eligible, applicants must not have previously owned residential property in Australia.

Credit Union SA is a South Australian Credit Union that was formed in  October 2009 from merging former credit unions ‘Satisfac’ and ‘Powerstate’. Both credit unions can trace their origins to the 1950s. The lender’s headquarters are based in Adelaide, with branches in metropolitan and regional South Australia. It boasts over 50,000 members and is South Australia’s third largest credit union.

Apart from home loans, Credit Union SA also provides customers with transaction and savings accounts, fixed term investments, personal loans, credit cards and insurance. They also make efforts to support local South Australians through their School Community Rewards program, which provides regular financial benefits to nominated schools. They also have a partnership with St John’s Youth Services, which provide support to at-risk young people.

Credit Union SA home loan calculator  
Interested in a Credit Union SA home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Credit Union SA compares to its competitors. Simply plug in your borrowing amount below. 

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