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Home Loans

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South West Credit offers a wide choice of home loans with competitive rates, for home and investment purposes, giving you the flexibility to structure your home loan to suit you.

Rate Crusher Home Loan

The Rate Crusher Home Loan slashes the standard variable home loan rate rewarding members for loyalty and product uptake.

  • Discounted rates
  • Early repayment without penalty
  • Free redraw facility
Request a Home Loan Key Facts Sheet		 From 6.30% pa
interest rate*

From 6.34% pa
comparison rate*		 Apply Now
  Additional Information
Key Features  
Variable Interest Rate View our interest rates
Minimum Amount $150,000
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 Redraw Facility Yes
Monthly account keeping fees No
Loan Protection Insurance available Yes
Auto Repayments (salary / account) Yes
Loan Establishment fee Yes

Standard Variable Home Loan

This loan offers you a great ongoing variable interest rate, no monthly account keeping fees and the flexibility to make extra repayments without penalty so you can manage your mortgage as you choose.

  • Variable lump sum repayments
  • Early repayment without penalty
  • Establishment fee (documentation/valuation/settlement fees apply)
Request a Home Loan Key Facts Sheet		 7.30% pa
interest rate

7.35% pa
comparison rate 		 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 Redraw Facility Yes
Monthly account keeping fees No
Loan Protection Insurance available Yes
Auto Repayments (salary / account) Yes
Loan Establishment fee Yes

Fixed Rate Home Loan

Fixed Rate Loan takes away the worry of interest rates rising and allows you to budget with confidence. After the fixed interest period of either 1 - 3 years the loan reverts to the variable interest rate.

  • A great fixed low rate
  • No Monthly account keeping fees
  • Establishment fee (Documentation / Valuation / Settlement fees apply
Request a Home Loan Key Facts Sheet

 

 

Rates on application
 

 Apply Now
  Additional Information
Key Features  
Interest Rates View our interest rates
Minimum Amount $50,000
Maximum amount 90% of the property value with mortgage insurance, 80% without
Loan Period 1 - 5 years
Repayments Monthly / Fortnightly / Weekly
Interest charges Calculated daily, charged monthly
Loan set up costs (Inc. Valuation & Solicitor) Yes
Variable and Lump Sum Repayments No
Free Redraw Facilitiy No
Monthly account keeping fees No
Loan Protection Insurance available Yes
Auto Repayments (salary / account) Yes
Loan Establishment fee Yes

 

Supplementary Loan

If you are looking to renovate your home, or use your home as security on a personal loan, the South West Credit Top Up Home Loan might be just what you're looking for.

  • Free redraw facility
  • No monthly account keeping fees
  • Loan Protection Insurance available
 10.55% pa
interest rate

14.04% pa
comparison rate		 Apply Now
  Additional Information
Key Features  
Variable interest rate View our interest rates
Minimum amount $1,000
Repayments Monthly / Fortnightly / Weekly
Interest Charges Calculated daily, charged monthly
Loan Set up costs (Inc. Valuation & Solicitor) Yes
Variable and Lump Sum repayments Yes
Free Redraw Facility Yes
Monthly account keeping fees No
Loan Protection Insurance available Yes
Auto Repayments (salary / account) Yes
Loan Establishment fee Yes

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.