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Buying First Home

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Are you looking to buy your first home but not sure where to start?

At South West Credit we can help you every step of the way through this exciting life event.  Choose from one of our Home Loan Packages below to help you get into your first home sooner.

Autumn Home Loan (Limited Time Offer)

For a strictly limited time, we are offering exceptionally competitive interest rates on our home loans.

With interest rates at record lows, South West Credit is pleased to offer you a remarkable interest rate of 3.79%1 pa (4.23%2 pa Comparison Rate).
Compare this great rate against your current loan and see how South West Credit might help you save.

Premium Package*

Our Premium Home Loan Package is perfect for you if value for money is important.  Offering up to 1% discount off our Standard Variable Rate, our Premium Package can save you thousands over the life of your loan.

  • No monthly account keeping fees
  • Up to 1% discount off our Standard Variable Home Loan Rate
  • Overdraft account up to $5,000
  • Your choice of free loan redraw or Mortgage Offset Account
  • 20% discount off our QBE General Insurance range
Request a Home Loan Key Facts Sheet

Home Loans

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  Additional Information
Key Features  
Variable Interest Rate View our interest rates
Minimum Amount $250,000
Maximum Amount 80% of the property value
Loan Period Up to 30 years
Repayments Monthly / Fortnightly / Weekly
Interest Charges Calculate daily, charged monthly
Loan set up costs (Inc. Valuation & Solicitor) No
Variable and Lump Sum Repayments Yes
Early Repayment without Penalty Yes
Free Redraw Facility Yes
Monthly account keeping fees No
Loan Protection Insurance available Yes
Auto Repayments (salary / account) Yes
Loan Establishment fee No
Annual Package Fee Yes

 

Classic Package

Our Classic Home Loan Package is ideal if your debt level is below $250,000 and you still want value for money.

  • Up to 0.35% interest rate discount
  • Free online redraw
  • 10% discount off our QBE General Insurance range 
  • Variable lump sum repayments

Request a Home Loan Key Facts Sheet

Home Loans

Apply Now

 

  Additional Information
Key Features  
Variable Interest Rate View our interest rates
Minimum Amount $100,000
Maximum Amount 80% of the property value
Loan Period Up to 30 years
Repayments Monthly / Fortnightly / Weekly
Interest Charges Calculate daily, charged monthly
Loan set up costs (Inc. Valuation & Solicitor) Yes
Variable and Lump Sum Repayments Yes
Early Repayment without Penalty Yes
Free Online Redraw Facility Yes (in branch redraw fee applies)
Monthly account keeping fees Yes
Loan Protection Insurance available Yes
Auto Repayments (salary / account) Yes
Loan Establishment fee Yes

 

Basic Package

Do you want a standard no fuss home loan where you pay for what you use?  Then our Basic Home Loan Package is for you.

  • Free Redraw Facility
  • Variable lump sum repayments
  • Loan Protection Insurance available

Request a Home Loan Key Facts Sheet

Term Deposits

Apply Now

 

  Additional Information
Key Features  
Variable Interest Rate View our interest rates
Minimum Amount $10,000
Maximum Amount 90% of the property value with mortgage insurance, 80% without
Loan Period Up to 30 years
Repayments Monthly / Fortnightly / Weekly
Interest Charges Calculate daily, charged monthly
Loan set up costs (Inc. Valuation & Solicitor) Yes
Variable and Lump Sum Repayments Yes
Early Repayment without Penalty Yes
Free Online Redraw Facility Yes (in branch redraw fee applies)
Monthly account keeping fees Yes
Loan Protection Insurance available Yes
Auto Repayments (salary / account) Yes
Loan Establishment fee Yes

 

Family Guarantee Home Loan

Are you struggling to save the deposit for your first home? Caught in the rent trap? Wanting to achieve the great Australian dream?

Now you can with our Family Guarantee Home Loan.  Learn more here.

 

More Information

Apply

Apply for a Home Loan Apply Now

Questions

If you have any questions Contact Us

*Conditions Apply – please contact one of our lending consultants on (03) 5560 3900 for full terms and conditions.  Annual Package fee of $275 applies for the life of the loan.

Information is correct at the time of publishing but is subject to change.