1-Year Fixed Home Loan Principal and Interest
Home LoansData Sharing Status
Our 1 year Fixed Rate Home Loan is perfect if you have a strict budget as you’ll know exactly what your repayments will be. Plus you pay no monthly.
- From (owner occupied)
- 7.44%
- 7.31% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 7.44% | 7.31% | — |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 7.64% | 7.56% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee | Upfront | $600.00 |
| Split Loan Fee | Event | $150.00 |
| Split Loan Fee | Event | $100.00 |
| Guarantor Application Fee | Event | $200.00 |
| Application fee | Upfront | $600.00 |
| Rate Lock Fee | Event | $600.00 |
| Application fee | Upfront | $600.00 |
Features
- Redraw facility
- Guarantor supported
- Extra repayments
- Allowed up to $10,000 per year
- Split Loans are available with eligible products
Eligibility
- Minimum age — 18 years
- Residency status — Australian citizen or permanent resident
Constraints
- Opening balance — $20,000.00
- Maximum LVR — 97%
More Information
Published by Credit Union SA under the Consumer Data Right · Last updated 28 June 2026 · Product ID CREDITUNIONSA_HL_443F1 · View on CDR.gov.au