Power Home Loan - Special Offer

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Take control with our 'Power Home Loan'

Looking for a loan where you call all the shots?

Check out our Power Home Loan.

Fixed Rate?  Variable Rate?  Split Rates? 

You have the power.

Apply Online

Purchasing property is one of the biggest investments you will ever make in your lifetime, so take control and put the power in your hands.

Everyone's situation is different, so why should all home loans be the same? 

You choose whether to fix your rate, make it variable or split your rate to enjoy the best of both worlds.

Choose weekly, fortnightly or monthly repayments, and make additional or lump sum repayments penalty free^.

Fast approval times

With a lot of properties trading off-market, pre-arranged finance can be the difference between securing, or missing out on your dream home.

Be confident you can move quickly when a good property becomes available, with a pre-approved Home Loan from South West Credit. 

Gaining pre-approval provides you with more negotiating power when purchasing a property.

As we are 100% local, it means we can provide you with fast approval.  We understand the local market and use our knowledge to provide flexibility to ensure a fast turn-around so you don't miss out waiting on finance. 

Competitive Rates

Owner Occupied: rates from  2.05% pa1 Special Offer, from  3.85% pa2 Comparison Rate^

Residential Investment Property: rates from 2.30% pa3 Special Offer ^, from  4.40% pa2 Comparison Rate^

We have a range of rates and options available.  To discuss what would best suit your current and future needs, simply contact us on 5560 3900, email loans@swcredit.com.au or request a call back at a time convenient to you.

Make the move to a local bank you can rely on, South West Credit.

We tailor your  loan to your  needs, we don't use a 'one size fits all' approach.

Our head office is right here in Lava Street, Warrnambool!  This is how we can offer exceptionally fast approvals.  There is no waiting on an answer from head office in a different city or state, there is no red tape delaying processes - all decisions are made here in Warrnambool.

South West Credit is your local bank, established and grown on trust and your true alternative to the big four banks.

Apply Online Request a Callback

^ Terms and conditions apply click here for details.

1 Introductory rate for a period of 2 years. Rate includes a 2.85% p.a. discount off SWCs Standard Variable Rate for two years from loan settlement date, reverting to a 1.00% p.a. discount off SWCs Standard Variable Rate for the remainder of the loan. Applies to new owner occupier home loans with principal and interest repayments. Rates are variable and subject to change. Terms and conditions apply.

2 Comparison Rate is calculated on a loan amount of $250,000 over a term of 25 years

3 Introductory rate for a period of 2 years. Rate includes a 2.60% p.a. discount off SWCs Standard Variable Rate (SVR) for two years from loan settlement date, reverting to a 0.40% p.a. discount off SWCs Standard Variable Rate for the remainder of the loan. Applies to new residential investment property loans with principal and interest repayments. Rates are variable and subject to change. Terms and conditions apply.