My Credit Union

View our Home Loans

Print


 

Spring Home Loan

Spring is the perfect time to review your home loan and give it the clean out it deserves.

  • Great low interest rate
  • No loan establishment fee
  • Switching costs covered up to $1,000
  • $500 cash back at settlement

Find out more

From 3.79% pa
Variable Rate
(LVR up to 80%)

From 4.23% pa
Comparison Rate

Apply NowRequest a call back

Premier Plus Home Loan

A Home Loan with all the extras.

  • No monthly account keeping fees
  • 1.10%p.a. discount off our Standard Variable Home Loan Rate
  • Overdraft account up to $10,000
  • Your choice of free loan redraw or Mortgage Offset Account
  • 20% discount off our QBE General Insurance range

Find out more

4.15% pa
Variable Rate
(LVR up to 80%)

4.26% pa1
Comparison Rate

Apply NowRequest a call back

Premium Home Loan

Flexibility and features to suit you.

  • No monthly account keeping fees
  • Up to 1.00% p.a. 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

Find out more

4.25% pa
Variable Rate
(LVR up to 80%)

4.42% pa2
Comparison Rate

Apply NowRequest a call back

Classic Home Loan

The perfect loan if you’re looking to borrow less than $250,000.

  • Up to 0.35%p.a. interest rate discount off our Standard Variable Home Loan Rate
  • Free online redraw
  • 10% discount off our QBE General Insurance range
  • Variable lump sum repayments

Find out more

From 4.90% pa3
Variable Rate
(LVR up to 80%)

From 4.92% pa2
Comparison Rate

Apply NowRequest a call back

Basic Home Loan

Our no fuss home loan, simply pay for what you use.

  • Free online redraw facility
  • Variable lump sum repayments
  • No penalty for early payout
  • Loan Protection Insurance available

Find out more

5.25% pa
Variable Rate
(LVR up to 80%)

5.27% pa2
Comparison Rate

Apply NowRequest a call back

Fixed Rate Loan

Get peace of mind of knowing your repayments won’t change.

  • Easier budgeting
  • Choose from weekly, fortnightly or monthly repayments
  • Option to lock in your rate when you apply2
  • Loan Protection Insurance available

Find out more

4.31% pa
1 year Fixed Rate
(LVR up to 80%)

4.42% pa
Comparison Rate

Apply NowRequest a call back

Lifestyle Loan

Get our great low home loan rate for financing your next car or home improvements.

  • Separate loan so you can pay it off faster
  • Quick and easy approval process
  • Fully secured against your home
  • Early payout without penalty

Find out more

5.25% pa
Variable Rate
(LVR up to 80%)

6.62% pa4
Comparison Rate

Apply NowRequest a call back

Family Guarantee Home Loan

A great solution if you’re struggling to save a deposit for your first home.

  • Avoid paying thousands in mortgage insurance
  • Maximise the amount you can borrow
  • Gets you out of the rent trap and closer to owning your own home

Find out more

  Apply NowRequest a call back

Green Loan

Be rewarded for going green!

  • Loan Establishment Fee waived
  • Discounted interest rate
  • Early repayment without penalty
  • Loan terms up to 30 years

Find out more

  Apply NowRequest a call back

Land Assistance Home Loan

Take the first step towards owning your own home with our Land Assistance Home Loan.

  • Use to purchase vacant land in Warnambool
  • Avoids the need for costly Mortgage Insurance
  • Build equity for when you want to build
  • Gets you close to owning your own home

Find out more

  Apply NowRequest a call back

Mortgage Offset Account

The perfect accompaniment to your new home.

  • 100% offset against your eligible South West Credit loan balance
  • Access to your offset funds 24/7
  • No minimum balance for the offset benefit to apply

Find out more

  Apply NowRequest a call back

 

Premier Plus Investment Loan

An Investment Loan with all the extras.

  • No monthly account keeping fees
  • Pay off your loan early with no penalty
  • Overdraft account up to $10,000
  • Your choice of free loan redraw or Mortgage Offset Account
  • 20% discount off our QBE General Insurance range

Find out more

R.O.A.
Variable Rate
(LVR up to 80%)

R.O.A.
Comparison Rate

Apply NowRequest a call back

Premium Investment Loan

Flexibility and features to suit you.

  • Pay off your loan early with no penalty
  • Overdraft account up to $5,000
  • Your choice of free loan redraw or Mortgage Offset Account
  • 20% discount off our QBE General Insurance range

Find out more

R.O.A.
Variable Rate
(LVR up to 80%)

R.O.A.
Comparison Rate

Apply NowRequest a call back

Classic Investment Loan

The perfect loan if you’re looking to borrow less than $250,000.

  • Early payout without penalty
  • Free online redraw
  • 10% discount off our QBE General Insurance range
  • Variable lump sum repayments

Find out more

R.O.A.
Variable Rate

R.O.A.
Comparison Rate

Apply NowRequest a call back

Basic Investment Loan

Our no fuss investment loan, simply pay for what you use.

  • Free online redraw facility
  • Variable lump sum repayments
  • No penalty for early payout
  • Loan Protection Insurance available

Find out more

R.O.A.
Variable Rate

R.O.A.
Comparison Rate

Apply NowRequest a call back

Fixed Rate Investment Loan

Get peace of mind of knowing your repayments won’t change.

  • Easier budgeting
  • Choose from weekly, fortnightly or monthly repayments
  • Lock in your rate when you apply3
  • Loan Protection Insurance available

Find out more

R.O.A.
3 year Fixed Rate
(LVR up to 80%)

R.O.A.
Comparison Rate 

 

Apply NowRequest a call back

Mortgage Offset Loan

The perfect accompaniment to your home loan.

  • 100% offset against your eligible South West Credit loan balance5
  • Access to your offset funds 24/7
  • No minimum balance for the offset benefit to apply

Find out more

  Apply NowRequest a call back

 

  Additional Information:

 

1 Comparison rates calculated on a loan amount of $500,000 over a term of 25 years.

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

3 Applies to Owner occupied Home Loans only.

4 Comparison Rate is calculated on a loan amount of $20,000 over a term of 5 years.