Horizon Bank is an Australian customer-owned Bank and was founded in 1964 as the Illawarra County Council Staff Credit Union. It was renamed the Horizon Credit Union in 1995 following the takeover of the Shoalhaven City Employees’ Credit Union.

Horizon is based in Wollongong, with branches throughout the Illawarra and Shoalhaven regions of NSW. It offers financial products such as home and personal loans, credit cards, insurance, foreign money services and financial planning services and share trading.

The bank has won a number of awards, including Money magazine’s Personal Lender of the Year in 2012 and 2013.

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

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Horizon Bank home loans rates

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Pros:
  • Suitable for small deposits.
  • Discounted rates offered.
  • Package and specialised loans available.
  • Flexible repayment features.
Cons:
  • High standard variable rate.
  • Interest-only options are limited.
Horizon Bank customer service:

Home loan customers can contact Horizon Bank in person at a local branch or using an online enquiry form. Customers can also phone the bank on a general customer line or email.

  • Customer service centre (phone)
  • Online banking
  • Email
  • Branch

How to Apply

Horizon Bank gives customers a number of methods when applying for a home loan. There is an online application form on the Horizon website and customers can apply, or make a home loan enquiry via phone or email. Customers can also apply in person at a local branch. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Proof of personal identification.
  • Proof of employment.
  • Proof of income, assets and earnings.
  • Details of current debts, loans and liabilities.
  • Personal insurance documents.

^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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