Orange Credit Union 1 year Discounted Variable Rate Home Loan (Principal and Interest) | Review & Compare Home Loans

Discounted Variable Rate Home Loan

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Interest Rate

5.29

% p.a

Variable

Comparison Rate*

5.12

% p.a

Maximum LVR

Less than 95%

Real Time Rating™

Monthly Repayment

$1,805

based on $300,000 loan amount for 25 years at 5.29%

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Summary
Features & fees
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Interest Rate

5.29

% p.a

Variable

Comparison Rate*

5.12

% p.a

Maximum LVR

Less than 95%

Real Time Rating™

Monthly Repayment

$1,805

based on $300,000 loan amount for 25 years at 5.29%

Calculate your repayments for this loan

Your estimated repayment

$1,805

based on $300,000 loan amount for 25 years at 5.29%

Based on your details, you can compare and save on the following home loans

TMD

Monthly Repayment

$1,367

based on $300,000 loan amount for 25 years at 2.64%

Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.56

% p.a

special

Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.

Real Time Rating™

More Features

Monthly Repayment

$1,423

based on $300,000 loan amount for 25 years at 3%

Interest Rate

2.60

% p.a

Intro 24 months

Comparison Rate*

2.96

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,398

based on $300,000 loan amount for 25 years at 2.84%

Interest Rate

2.84

% p.a

Variable

Comparison Rate*

2.85

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Quick home loan review

For 1 year Discounted Variable Rate Home Loan (Principal and Interest)

These are the benefits of this home loan.

No ongoing fees
100% full offset account
Suitable for low deposits
Extra repayments and redraw facility
Free redraw facility
Split account option

These are the drawbacks of this home loan.

Higher than average interest rate
Higher than average upfront fee
Discharge fee at end of loan
No repayment holidays

Home loan overview

For 1 year Discounted Variable Rate Home Loan (Principal and Interest)

TMD

Details
Features
Fees
Application method

Details

Maximum LVR Less than 95%	Total Repayments $541,500 View repayment schedule »
Next LVR	Interest rate type Variable
Borrowing range $150k - $100m Calculate how much you can borrow	Suitable for Owner Occupiers
Loan term range 1 - 30 years	Principal & interest
Interest only	Applicable states NSW
Make repayments Fortnightly, Monthly, Weekly

Features

Extra repayments Unlimited extra repayments	Offset account 100% offset account
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 865	Application fee 865
Legal fee $0	Valuation fee $0
Settlement fee 0	Other upfront fee 0
Ongoing fee $0	Discharge fee 200

Application method

Online Compare	Phone
Broker	In branch

Available

Not available

Data not captured

Target Market Determination

Visit Orange Credit Union to view Target Market Determination.

Checkout more home loans

Interest Rate

2.44

% p.a

Variable

Comparison Rate*

2.49

% p.a

Interest rates ranked in the best 20%
No ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.64

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

Interest Rate

3.74

% p.a

Variable

Comparison Rate*

3.78

% p.a

Cashback

$2,000 cashback when you refinance a loan of $250,000 or more

Real Time Rating™

Interest Rate

2.74

% p.a

Variable

Comparison Rate*

2.74

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

Product data updated on 29 Jun 2022

FAQs

The range you can borrow from this loan is $150k to $99,999,999.

This loan option comes with a maximum loan-to-value ratio of 94.99 percent, which means it requires a minimum deposit of 5.01 percent

Orange Credit Union allows you to have this loan for a range of 1 to 30 years.

Orange Credit Union allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $865 worth of upfront fees.

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Orange Credit Union makes it possible to apply for this product online. Apply here.

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