Standard Variable Rate Home Loan Principal and Interest
Home LoansData Sharing Status
Our Standard Variable Rate Home Loan is ideal for those seeking significant flexibility – a rate that moves with the market and many convenient features.
- From (owner occupied)
- 7.24%
- 7.29% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.24% | 7.29% | — |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.49% | 7.54% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee | Upfront | $600.00 |
| Increase an existing standard variable rate home loan | Event | $300.00 |
| Settlement fee | Upfront | $300.00 |
| Split Loan Fee | Event | $150.00 |
| Split Loan Fee | Event | $100.00 |
| Guarantor Application Fee | Event | $200.00 |
Features
- Offset account
- Redraw facility
- Extra repayments
- Unlimited fee-free additional repayments
- 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%
Bundles
Standard Variable Rate Home Loan Principal and Interest
No application fee and reduced rate on Green Loan.
More Information
Published by Credit Union SA under the Consumer Data Right · Last updated 28 June 2026 · Product ID CREDITUNIONSA_HL_443V · View on CDR.gov.au