Variable Home Loan Package Principal and Interest
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. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.
- From (owner occupied)
- 6.99%
- 7.35% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Low Deposit Package Variable Home Loan | 6.99% | 7.35% | — |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.54% | 6.9% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee | Upfront | $0.00 |
| Increase an existing home loan package | Event | $0.00 |
| Annual fee Charged Payable annually in advance for each year a Home Loan Package is mantained | Ongoing | $395.00 |
| Settlement fee | Upfront | $0.00 |
| Split Loan Fee | Event | $150.00 |
| Split Loan Fee | Event | $100.00 |
| Guarantor Application Fee | Event | $200.00 |
Features
- No loan application or monthly fee
- Redraw facility
- Offset account
- Unlimited fee-free additional repayments
- Digital banking
- Extra repayments
- Guarantor supported
- Split Loans are available with eligible products
Eligibility
- Minimum age — 18 years
- Residency status — Australian citizen or permanent resident
Constraints
- Opening balance — $150,000.00
- Maximum LVR — 97%
Bundles
Variable Home Loan Package Principal and Interest
Benefits of bundling the Variable Home Loan Package include, a reduction of 0.50% pa off carded rates for all fixed and variable personal loans and an additional 0.25% pa on carded term investment rates for amounts up to $250,000. Annual fee of $395 applies to all package home loans. No application fee for the Green Loan and reduced rate.
More Information
Published by Credit Union SA under the Consumer Data Right · Last updated 28 June 2026 · Product ID CREDITUNIONSA_HL_442V · View on CDR.gov.au