Bank Products – BeliefMedia Finance & Mortgage Broker Digital Marketing

RBA Cash Rate: 4.10% · 1AUD = 0.63 USD · Inflation: 2.4%

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Example Interest Rates: Home Loan Variable: 5.13% (5.89%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.13% (5.89%*) • Investment IO: 5.64% (6.42%*) • Investment PI: 4.99% (5.91%*)

Variable Home Loan Package

Our Variable Home Loan Package is ideal for those seeking significant flexibility. 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 and in return you’ll save an absolute bundle.

Category: Home Loans Last Updated March 4, 2025 Effective July 31, 2016

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner Occupied P&I Package Variable ≤60% LVR

Interest Rate
5.79% PA

Comparison Rate
6.16%PA*

Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will usually vary based on the LVR and other conditions..

OWNER_OCCUPIED, VARIABLE, 6.04%

Lending Rate Type: Variable
Interest Rate: 6.04%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

OWNER_OCCUPIED, VARIABLE, 6.99%

Lending Rate Type: Variable
Interest Rate: 6.99%, Comparison Rate 6.79%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

OWNER_OCCUPIED, VARIABLE, 5.84%

Lending Rate Type: Variable
Interest Rate: 5.84%, Comparison Rate 6.21%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

OWNER_OCCUPIED, VARIABLE, 6.74%

Lending Rate Type: Variable
Interest Rate: 6.74%, Comparison Rate 7.10%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

INVESTMENT, VARIABLE, 5.97%

Lending Rate Type: Variable
Interest Rate: 5.97%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, VARIABLE, 6.27%

Lending Rate Type: Variable
Interest Rate: 6.27%, Comparison Rate 6.62%
Repayment Type: Interest Only
Loan Purpose: Investment

INVESTMENT, VARIABLE, 6.29%

Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.66%
Repayment Type: Principal And Interest
Loan Purpose: Investment

INVESTMENT, VARIABLE, 6.74%

Lending Rate Type: Variable
Interest Rate: 6.74%, Comparison Rate 6.83%
Repayment Type: Interest Only
Loan Purpose: Investment

INVESTMENT, VARIABLE, 6.34%

Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.65%
Repayment Type: Interest Only
Loan Purpose: Investment

INVESTMENT, VARIABLE, 6.04%

Lending Rate Type: Variable
Interest Rate: 6.04%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Product Features

Other Additional Information: No loan application or monthly fee

Redraw Additional Information: Extra repayments can be withdrawn at no cost

Offset Additional Information: Can be 100% offset when linked to a Home Loan Offset Account

Product Eligibility

Min Age - 18.

Residency Status - Australian Citizen Or Permanent Resident.

Bank Fees and Charges

Application Fee (Upfront), Amount: 0.00.

Increase An Existing Home Loan Package (Event), Amount: 0.00.

Annual Fee (Periodic), Amount: 395.00.

Settlement Fee (Upfront), Amount: 0.00.

Split Loan Fee (Event), Amount: 150.00.

Split Loan Fee (Event), Amount: 100.00.

Guarantor Application Fee (Event), Amount: 200.00.

Limitations & Restrictions (Constraints)

Min Limit of 150000.00 Additional Information: Minimum loan amount

Max Limit of No Limit Additional Information: Maximum loan amount

Document Downloads

brc-1062-hl-int-rates.pdf (96.1 KB)

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]

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