3-Year Fixed Rate Home Loan Principal and Interest
Our 3 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)
- 7.64%
- 7.41% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years | 7.64% | 7.41% | — |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years | 7.54% | 7.55% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement fee Payable when a new loan is funded or our representative attends settlement | Upfront | $300.00 |
| Split Loan Fee Payable when you want to divide your total home loan amount into separate loan accounts. $150 for the first split plus $100 per split thereafter on same security for all home loan types | Event | $150.00 |
| Split Loan Fee Payable when you want to divide your total home loan amount into separate loan accounts. $150 for the first split plus $100 per split thereafter on same security for all home loan types | Event | $100.00 |
| Guarantor Application Fee Payable whenever we prepare guarantee documents for a loan. | Event | $200.00 |
| Rate Lock Fee The higher of $600 or 0.15% of the loan amount, payable if you choose to lock in your interest rate on a fixed rate loan for up to 90 days prior to the funding of your loan | Event | $600.00 |
Features
- Redraw facility
- Guarantor supported
- Extra repayments
- Allowed up to $10,000 per year
- Digital banking
- 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_443F3 · View on CDR.gov.au · View Source Data (JSON)