Hunter United is a customer-owned institution, which means it is owned by its members rather than by shareholders.
Hunted United has six branches in Newcastle and the lower Hunter region of New South Wales. The credit union has been operating for more than 50 years and has about 9,000 members.
Hunter United offers an array of home loans, including ‘standard’ home loans, investor mortgages, interest-only home loans and green home loans.
Hunter United home loan repayment calculator
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Hunter United home loans rates
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No Regrets First Home Buyer Loan
Green Home Loan
Green Home Loan
Platinum Home Loan
Owner-Occupied Interest Only Loan
Platinum Investment Loan
Fixed - 2 years
Fixed Rate Home Loan
Fixed - 2 years
Fixed Rate Home Loan
- Flexible payment options.
- Specialised and package loans available.
- Discounted rates available.
- High standard variable rate.
- Monthly or annual fees on most loans.
Hunter United customer service
Potential Hunter United loan customers can contact the bank in a number of different ways, including a general customer phone line and a line for mobile lenders. The credit union can also be contacted via an online enquiry form on the Hunter United website and by email. Customers can also meet with a Hunter United staff member in person at one of their local branches.
- Customer service (phone, email, branch)
- Online banking
- Mobile banking staff
How to Apply
Hunter United customers can apply for a home loan in a variety of ways. These include an online registration form, after which a Hunter United staff member or lender will contact you. Customers can also visit a local branch or contact a mobile lender to schedule a loan appointment. Before applying for a home loan it is advisable to think about given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:
- Personal identification material.
- Proof of employment.
- Proof of income, assets and earnings.
- Details on current debts, liabilities and loans.
- Personal insurance documents.
About Hunter United home loans
Hunter United is a home loan lender that offers borrowers an array of mortgage options:
- Owner-occupier mortgages
- Investment mortgages
- First home buyer mortgages
- Package home loans
- Principal-and-interest home loans
- Interest-only home loans
- Variable-rate home loans
- Fixed-rate home loans
- Split loans
- Low-deposit / high-LVR home loans
- Green home loans
- Line of credit home loans
The credit union also offers 100 per cent offset accounts and redraw facilities and gives borrowers the option of making extra repayments on their home loan.
Hunter United’s home loan interest rates vary from product to product. Its owner-occupier rates range from moderately low to moderately high, while its investor rates are moderately low.
Hunter United’s application fees range from very low to moderate, while its monthly account-keeping fees range from very low to moderately low.
Maximum LVRs (loan-to-value ratios) are 95 per cent for owner-occupiers and 80 per cent for investors.
Hunter United home loan rates
Hunter United’s home loan interest rates are best described as competitive - not market leaders, but not market laggards either.
Interest rates vary from product to product and from borrower to borrower. Investors can expect to pay higher interest rates than owner-occupiers, while interest-only customers can expect to pay more than principal-and-interest customers.
For owner-occupiers, Hunter United mortgage rates range from moderately low to moderately high. For investors, mortgage rates are moderately low.
One point of difference with Hunter United home loans is that it offers green home loans. Borrowers are entitled to a discount if their property has at least three of these eight environmental features:
- Solar hot water
- Solar power
- Double glazing to eastern, western and southern windows
- Wall insulation
- PV panels or wind turbine (minimum 1.5kw)
- Water tank (minimum 2,000 litres)
- External shadings to windows facing north, east and west
- AAA-rated water efficient fittings
Hunter United home loans review
Hunter United is a customer-owned credit union that positions itself as a “welcome alternative to the big banks”.
It offers a broad, though not comprehensive, list of mortgage options, from standard owner-occupied and investment home loans to interest-only home loans, low-deposit home loans and green home loans.
One notable element of Hunter United’s home loan offering is that owner-occupiers can borrow up to 95 per cent of the value of their property (although mortgages above 80 per cent require LMI, or lender’s mortgage insurance).
That gives first home buyers the chance to enter the market sooner than if they took out their mortgage with many of the other home loan lenders in Australia.
Hunter United home loans have a maximum term of 30 years. Repayments can be made weekly, fortnightly or monthly.
- FIXED RATE
- FIRST HOME BUYER
- NEXT HOME BUYER
Owner Occupier Accelerates - Liberate (LVR 70%-80%) (Principal and Interest)
specialAdvertised variable rates takes effect for new and existing customers from 30th Sep 2020, however customers applying for a home loan from Wednesday 12th of August will also receive these rates.
RateCity wants to prove that it pays to check your home loan rate, and provide some extra motivation for doing so. We want to encourage people to take an active interest in their home loans, and gain a thorough understanding of what they’re paying and how much they could save.
You can only check your rates once. However we will send you, via email, the link to the result page so that you may return to it.
The winner will be chosen randomly from our entries on 21 May 2020 by Loyalty.com.au, in the presence of an independent scrutineer.
No. You can invite as many people to enter the competition as you like. Just remember that you’ll only get one extra entry in the competition for each invited friend that checks their own rate.
No. While we will do our best to show a list of loans that may suit your needs, if you choose to apply to refinance, it is up to the lender to approve or disapprove your loan based on your individual circumstances, after you have submitted all your paperwork.
This can sometimes take up to 30 days, so it is important to find out exactly what the criteria is for the loan, and what you need in terms of paperwork. RateCity does not make any suggestions taking into account your personal and individual needs.
If we can’t beat your current home loan rate, you can claim your $100 gift card by confirming your home loan details with us.*
To do this, on your results page you’ll need to securely upload a home loan document or statement from your lender that can be used to confirm the home loan details you provided. This should outline the following information:
- Loan term
- Loan type (fixed / variable)
- Payment type (principal and interest / interest only)
- Loan purpose (owner / investor)
- Property value
- Date of loan commencement
- Any special conditions
We’ll keep your information private and confidential and only use your document to confirm your entry.
Your repayments should appear on your bank statements or your internet banking. If you make weekly or fortnightly repayments, make sure you convert them to monthly calculations.
We use your current mortgage details to calculate the potential savings if you were to change lenders, and also to help us point you to loans that may meet your needs.
For example – if you live in the house you own, we’ll make sure we show you the owner-occupier rates, which are typically cheaper than investor rates. Or if you have less than 20% equity in your property, then we won’t show you the deals that require a greater amount of equity.
This competition is only available to Australian residents who are over 18 and check their home loan interest rate at RateCity. However, you are not required to refinance your home loan or apply for any financial products.
You can still enter if you don’t have a home loan yet – enter how much you plan to borrow and the details of the property you’re considering, and we’ll compare mortgage offers that may suit your needs and estimate how much you could save compared to a loan with an average interest rate.