Our Variable Home Loan Package is designed for those wanting an extended home loan term. XL Interest Only Home Loan Package products are available for terms 31 to 40 years, for construction purposes, for properties located in South Australia. Lending criteria applies and a suitability assessment will be completed as part of the application process. The Credit Union SA Variable Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395.
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 |
|---|---|---|---|---|---|
| 6.29% | 6.65% | Variable · owner occupied · interest only · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.34% | 6.70% | Variable · owner occupied · interest only · LVR 60%–80% | CDR | 1 Nov 2026 | |
| 7.24% | 7.59% | Variable · owner occupied · interest only · LVR 80%–97% | 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_447XL- Content hash
sha256 2d8bfda0f78d4a640a0ab8c88dfe25d49beabf226e3e29a6458bed19a53c0348- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_2d8bfda0f78d4a64_1ddb9ae3Show details
- Checked
- 1 Nov 2026
- URL
https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_447XL- Content hash
sha256 2d8bfda0f78d4a640a0ab8c88dfe25d49beabf226e3e29a6458bed19a53c0348- 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 |
|---|---|---|
| Settlement fee | Upfront | $0.00 |
| Progress Payment fee | Upfront | $750.00 |
| Increase an existing home loan package | Event | $0.00 |
| Annual fee | Periodic | $395.00 |
| 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 | Unlimited fee-free additional repayments | |
| Other | No loan application or monthly fee | |
| Redraw | ||
| Offset | ||
| 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 | 150000.00 | |
| Limit: max lvr | 0.97 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 0%–60% | 1 Nov 2026 | Current | 6.29% | 6.65% |
| Variable · owner occupied · interest only · LVR 80%–97% | 1 Nov 2026 | Current | 7.24% | 7.59% |
| Variable · owner occupied · interest only · LVR 60%–80% | 1 Nov 2026 | Current | 6.34% | 6.70% |
*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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