Discounted Variable (Switch and Save) Home Loan

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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • Extra low interest rate for refinancers
  • No ongoing fees
  • Suitable for low deposits
  • Extra repayments + redraw services
Cons:
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$30k - $5m
Total repayments
Total repayments
$578,664
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Partial offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$350.00
Application fee
Application fee
$350
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
At Cost
Legal fee
Legal fee
At Cost
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$0
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$30k - $5m
Total repayments
Total repayments
$578,664
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Partial offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$350.00
Application fee
Application fee
$350
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
At Cost
Legal fee
Legal fee
At Cost
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$0
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

Transport Mutual Credit Union, formerly the RTA Staff Credit Union, is a member-owned credit union formed in 1964. It was renamed as the Transport Mutual Credit Union in 2012.

It is based in Sydney and provides financial products and services including home and personal loans, savings accounts and term deposits, superannuation and insurance. It also offers financial services ranging from investment and general advice to financial planning services.

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

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