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5.10
% p.a
Fixed - 1 year
5.02
% p.a
$1,275
based on $300,000 loan amount for 25 years at 5.1%
On this page
5.10
% p.a
Fixed - 1 year
5.02
% p.a
$1,275
based on $300,000 loan amount for 25 years at 5.1%
Calculate your repayments for this loan
Your estimated repayment
$1,275
based on $300,000 loan amount for 25 years at 5.1%
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Quick home loan review
For Fixed Rate Home Loan (Interest Only) 1 Year
These are the benefits of this home loan.
- No ongoing fees
- Suitable for low deposits
- Extra repayments and redraw facility
- Free redraw facility
- Split account option
These are the drawbacks of this home loan.
- Limited extra repayments
- No offset account
- Higher than average interest rate
- Loan reverts to higher rate after fixed period
- Higher than average upfront fee
- Discharge fee at end of loan
- No repayment holidays
Home loan overview
For Fixed Rate Home Loan (Interest Only) 1 Year
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 97% | Total Repayments $382,500 |
Interest rate type Fixed - 1 year | |
Borrowing range
$20k
-
$100m
| Suitable for Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states SA |
Features
Extra repayments Yes - limited to $10000 | Offset account No |
Redraw facility Redraw fee: $0 | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 750 | Application fee 600 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 150 | Other upfront fee 0 |
Ongoing fee $0 | Discharge fee 350 |
Application method
Online | Phone |
Broker | In branch |
- Other $5,000 First Home Buyers Grant on eligible loansWhen 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.
- Cashback Enjoy a $2,500 cashback when you take out a home loan with us.Cashback offer available on any owner-occupied or investment loan with minimum new borrowings of $250,000 where the loan to value ratio is 80% or less. Funds available at settlement, except in the case of construction loans where cashback will be paid on confirmation that the foundation has been poured. Limit of one cashback per household.
Target Market Determination
Visit Credit Union SA to view Target Market Determination.
Other Restrictions
Split loans fee to be introduced at $150 for the first split on the same security and $100 for every split thereafter for all home loan types without a limit on the number of splits allowed on the same security, providing that lending criteria is met. Deed of priority fee of $200 applies.
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