Summerland Credit Union Home Loans

Summerland Credit Union is based in NSW and offers a wide range of financial products and services, including home loans, saving and investment accounts and insurance products. You need to be a member to bank with this credit union, but anyone can join using Summerland’s online membership application. Summerland’s profits are reinvested into the business and members, who also get a say in how the credit union is run. Summerland meets the same regulatory standards as banks, so your money is as safe.

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

Pros:
  • Competitive interest rates.
  • Opportunity to bundle other financial products.
  • Online loan application process.
  • Fast loan approval.
  • Eco-friendly loans.
Cons:
  • Must be a member.
  • Limited branch access.
  • Limited features on fixed loans.
Summerland Credit Union customer service:

Summerland Credit Union’s branches are located throughout the NSW north coast and regional areas, with one branch in Coolangatta, Queensland. Members can access their money with Summerland ATMs as well as all ATMs in the national Westpac network, including St George, Bank of Melbourne and BankSA ATMs. As a Summerland cardholder, you pay no direct charge fees at any of these ATMs.

  • Customer service centre (phone)
  • ATMs
  • Mobile app
  • Online banking
  • Email inquiries
  • NSW branches

Summerland Credit Union home loans

Eco Home Loan ($250k+, LVR < 80%)
Advertised rate
3.97%
Variable
Upfront fee
$600.00
Comparison rate*
4.02%
Ongoing fee
$0
Compare
Offset Home Loan ($250k+, LVR < 80%)
Advertised rate
4.04%
Variable
Upfront fee
$800.00
Comparison rate*
4.20%
Ongoing fee
$8 monthly
Compare
Eco Home Loan ($250k+, LVR 80%-95%)
Advertised rate
4.17%
Variable
Upfront fee
$600.00
Comparison rate*
4.22%
Ongoing fee
$0
Compare
Premium Home Loan (3 Year Introductory Rate) ($250k+, LVR < 80%)
Advertised rate
3.97%
Variable
Upfront fee
$0
Comparison rate*
4.38%
Ongoing fee
$380 annually
Compare
Offset Home Loan ($250k+, LVR 80%-95%)
Advertised rate
4.24%
Variable
Upfront fee
$800.00
Comparison rate*
4.40%
Ongoing fee
$8 monthly
Compare
Premium Home Loan (3 Year Introductory Rate) ($250k+, LVR 80%-95%)
Advertised rate
3.69%
Intro 36 months
Upfront fee
$0
Comparison rate*
4.45%
Ongoing fee
$380 annually
Compare
Fixed Rate Home Loan 3 Years
Advertised rate
3.89%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
4.98%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 5 Years
Advertised rate
4.49%
Fixed - 5 years
Upfront fee
$800.00
Comparison rate*
5.04%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 4 Years
Advertised rate
4.39%
Fixed - 4 years
Upfront fee
$800.00
Comparison rate*
5.05%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
5.12%
Ongoing fee
$8 monthly
Compare
Premium Investment Loan ($250k+, LVR 80%-95%)
Advertised rate
4.29%
Variable
Upfront fee
$0
Comparison rate*
5.18%
Ongoing fee
$380 annually
Compare
Fixed Rate Home Loan 1 Year
Advertised rate
3.99%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
5.21%
Ongoing fee
$8 monthly
Compare

How to Apply

To become a member of Summerland, you need to complete a membership application, which you can do online. All Australian citizens and permanent residents are eligible to apply, provided you are over 18 years old. Documents you need include:

  • Personal ID.
  • Proof of income – whether you are self-employed or work for an employer.
  • Proof of other income, including rental income.
  • Information regarding existing debts, liabilities and assets.
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