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Home Loans

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We offer a range of home loans so that you can choose the features and benefits most suited to you.

Home Owners Package

When you borrow $150,000 or more, take advantage of great discounts on home loan interest rates and other products when bundled into a our Home Owners Package. The Package is available with the following loans:

  • 1 Year Fixed Rate (featured rate)
  • 2 year Fixed Rate
  • Variable Rate
  • Lifestyle Line of Credit

View our interest rates

From

3.89% p.a.

4.50% p.a.
Comparison Rate

 

apply now calculate
key fact sheet

  More Info
Key Features
Offset account 100%
Redraw facility available Yes, redraw available on payments you've made in advance (minimum $1,000) and further advances are available.
Flexible repayment options Weekly, fortnightly or monthly
Interest only option available Yes - (different rates apply)
Lump sum payments without penalty Yes
Monthly loan service fee $0
Loan Protection insurance available Yes
   
This table is provided as a guide only. Terms and conditions are available on application or request.

Essential Plus Loan 

With the Essential Plus Home Loan, you will receive competitive rates, flexible repayment options and NO early payout fees.

  • Competitive variable rate
  • Redraw facility available
  • No early payout fees

View our interest rates

From

3.97% p.a.

4.13% p.a.
Comparison Rate

apply now calculate key fact sheet

  More Info
Key Features  
Redraw facility available Yes, redraw available on payments you've made in advance (minimum $1,000) and further advances are available.
Flexible repayment options Weekly, fortnightly or monthly
Interest only repayments available Yes - (different rates apply)
Lump sum payments without penalty Yes
Construction option available Yes
Loan Protection insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Essential Loan

With the Essential Home Loan, you will receive competitive rates, flexible repayment options and NO early payout fees.

  • Competitive variable rate
  • Redraw facility available
  • No early payout fees

View our interest rates

From

4.79% p.a.

5.12% p.a.
Comparison Rate

apply now calculate key fact sheet

  More Info
Key Features  
Redraw facility available Yes, redraw available on payments you've made in advance (minimum $1,000) and further advances are available.
Flexible repayment options Weekly, fortnightly or monthly
Interest only repayments available Yes - (different rates apply)
Lump sum payments without penalty Yes
Construction option available Yes
Loan Protection insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Classic Loan

Reduce the interest you pay on your loan by nominating a 100% offset account. You can redraw payments you've made in advance (minimum of $1,000) and further advances are available.

  • 1 Year Fixed Rate (featured rate)
  • Also available as 2 year fixed rate and variable rate
  • Offset account available
  • No monthly account keeping fees
  • Redraw facility available

View our interest rates

From

4.24% p.a.

5.19% p.a.
Comparison Rate

apply now calculate
key fact sheet

  More Info
Key Features  
Offset account 100%
Redraw facility available Yes, redraw available on payments you've made in advance (minimum $1,000) and further advances are available.
Flexible repayment options Weekly, fortnightly or monthly
Interest only repayments available Yes- (different rates apply)
Lump sum payments without penalty Yes
Monthly account keeping fees $0
Early payout fees $0
Construction option available Yes
Loan Protection insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Premium Loan

Reduce the interest you pay on your loan by nominating a 100% offset account. Flexible repayment options are available, as well as low monthly loan service fee and NO early payout fees.

  • 1 Year Fixed Rate
  • Also available as 2 year fixed and variable
  • 100% offset account
  • Redraw facility available
  • Low monthly loan service fee
  • No early payout fees

View our interest rates

From

3.99% p.a.

5.03% p.a.
Comparison Rate

apply now calculate
key fact sheet

  More Info
Key Features  
Offset account 100%
Redraw facility available Yes, redraw available on payments you've made in advance (minimum $1,000) and further advances are available.
Flexible repayment options Weekly, fortnightly or monthly
Interest only repayments available Yes- (different rates apply)
Lump sum payments without penalty Yes
Construction option available Yes
Loan Protection insurance available Yes
Early payout $0
This table is provided as a guide only. Terms and conditions are available on application or request.


Line of Credit

Our Lifestyle Equity Line of Credit facility turns your mortgage into an all-in-one borrowing, savings and transaction account by providing the equity you already have in your home as a line of credit.

The Lifestyle Equity facility is designed to suit almost everyone, from buying or building your home to simply wanting to use the equity in your property to make large purchases or pay bills.

  • No set repayments – only when credit limit is reached
  • Withdrawals at any time, for any amount, up to facility limit
  • Multiple fund access options available
  • Automatic payroll and other credits direct to account

View our interest rates

apply now calculate

  More Info
Key Features  
Flexible repayment options Repayments only required when full limit is utilised
Interest only option available Yes- (different rates apply)
Lump sum payments without penalty Yes
Monthly loan service fees Low
Loan Protection insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Home Equity Loan

A Home Equity Loan allows you to unlock the equity in your property and provides funds for almost any worthwhile purpose. Secured by a first registered mortgage over your property, a Home Equity Loan offers a competitive variable interest rate over a term of up to seven years.

  • Flexible repayment options
  • Lump sum payments without penalty
  • LOW monthly loan service fee and NO early payout fees

From

6.25% p.a.

6.62% p.a.
Comparison Rate

apply now calculate
 

  More Info
Key Features  
Redraw facility available Yes, you may draw back to the approved credit limit at any time
Flexible repayment options Weekly, fortnightly or monthly
Lump sum payments without penalty Yes
Monthly loan service fee Low
Loan Protection insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

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Questions?

^ To be eligible for the Home Owners Package, total combined home lending of $150,000 is required across any number of home loans, and you must have regular salary credits to a Warwick Credit Union account.

Fees and charges may apply.