2-Year Fixed XL Home Loan Package
Our 2 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. XL Fixed Package Home Loans are available for 31 to 40 years, for properties located in South Australia. Lending criteria applies and a suitability assessment will be complated as part of the application process. Plus you pay no monthly or redraw fees. The Credit Union SA Fixed 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.
- From (owner occupied)
- 6.74%
- 7.3% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years | 6.74% | 7.3% | — |
| Fixed · 2 years | 7.79% | 7.51% | — |
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 |
| Rate Lock Fee | Event | $600.00 |
Features
- No loan application or monthly fee
- Extra repayments
- Allowed up to $10,000 per year
- Redraw facility
- Guarantor supported
- Digital banking
- 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
2-Year Fixed XL Home Loan Package
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_449F2 · View on CDR.gov.au