Standard Variable Rate Home Loan Interest Only
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 (investment)
- 7.74%
- 7.65% comparison
Interest Rates
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 9.14% | 8.25% | — |
Investment — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.74% | 7.65% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee When you apply for a standard variable rate or fixed rate home loan | Upfront | $600.00 |
| Increase an existing standard variable rate home loan When you apply to increase an existing standard varible rate or fixed rate home loan | Event | $300.00 |
| 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 |
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 — 80%
Bundles
Standard Variable Rate Home Loan Interest Only
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_IO · View on CDR.gov.au · View Source Data (JSON)