Home loan rates › Credit Union SA
Discounted Variable Rate Home Loan Principal and Interest
Credit Union SA
Our Discounted Variable Rate Home Loan is a great choice if you’re a budget-conscious borrower on the lookout for something simple, but effective, that won’t charge you extra if you want to repay it faster.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.54% | 7.57% | Variable · investment · principal and interest | CDR | 1 Nov 2026 | |
| 7.29% | 7.32% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_440- Content hash
sha256 240c7dc5f1c3f68c4c54f2c57e3219dac5881ed7f2e4bd22feefd579150720ba- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_240c7dc5f1c3f68c_e35e6aceShow details
- Checked
- 1 Nov 2026
- URL
https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_440- Content hash
sha256 240c7dc5f1c3f68c4c54f2c57e3219dac5881ed7f2e4bd22feefd579150720ba- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee | Upfront | $600.00 |
| Increase an existing discounted home loan | Event | $0.00 |
| Settlement fee | Upfront | $300.00 |
| Split Loan Fee | Event | $150.00 |
| Split Loan Fee | Event | $100.00 |
| Guarantor Application Fee | Event | $200.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | No loan application, monthly or annual fee | |
| Redraw | ||
| Other | Unlimited fee-free additional repayments | |
| Digital banking | ||
| Extra repayments | ||
| Guarantor | ||
| Other | Split Loans are available with eligible products | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Australian citizen or permanent resident | |
| Limit: opening balance | 20000.00 | |
| Limit: max lvr | 0.97 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 7.54% | 7.57% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.29% | 7.32% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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