---
title: "Basic Variable Rate Home Loan — ORANGE CREDIT UNION LTD"
description: "Home Loans from ORANGE CREDIT UNION LTD. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/orange-credit-union-ltd/products/BASIC_HOME_LOAN
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-20T16:54:34.000+10:00
---

# Basic Variable Rate Home Loan — ORANGE CREDIT UNION LTD

> Home Loans from ORANGE CREDIT UNION LTD. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Basic Variable Rate Home Loan

## At a glance

- **From (owner occupied):** 6.04% (6.09% comparison)

## Apply

Applications are handled by the provider: [Apply at ORANGE CREDIT UNION LTD](https://www.bankorange.com.au/online-forms/home-loan-application/)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.04% | 6.09% | <=60% LVR |
| Variable | 6.14% | 6.19% | 60.01-80% LVR |
| Variable | 6.34% | 6.39% | 80.01+% LVR |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 1 year | 6.14% | 6.19% | <=60% LVR |
| Introductory · 2 years | 6.14% | 6.19% | <=60% LVR |
| Introductory · 3 years | 6.14% | 6.19% | <=60% LVR |
| Introductory · 4 years | 6.14% | 6.19% | <=60% LVR |
| Introductory · 5 years | 6.14% | 6.19% | <=60% LVR |
| Introductory · 1 year | 6.24% | 6.29% | 60.01-80% LVR |
| Introductory · 2 years | 6.24% | 6.29% | 60.01-80% LVR |
| Introductory · 3 years | 6.24% | 6.29% | 60.01-80% LVR |
| Introductory · 4 years | 6.24% | 6.29% | 60.01-80% LVR |
| Introductory · 5 years | 6.24% | 6.29% | 60.01-80% LVR |
| Introductory · 1 year | 6.44% | 6.49% | 80.01+% LVR |
| Introductory · 2 years | 6.44% | 6.49% | 80.01+%LVR |
| Introductory · 3 years | 6.44% | 6.49% | 80.01+% LVR |
| Introductory · 4 years | 6.44% | 6.49% | 80.01+% LVR |
| Introductory · 5 years | 6.44% | 6.49% | 80.01+% LVR |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| MORTGAGE_ESTABLISHMENT_FEE | Upfront | $155.00 |
| LOAN_SECURITY_DISCHARGE_FEE | Exit | $200.00 |
| SWITCH_FEE | Event | $250.00 |

## Features

- **Redraw facility**
- **Included in Relationship Rebate**
- **Can be used for building**
- **Early repayments without penalty**
- **Easy to apply for loan**
- **Interest only repayments (up to 5 years)**
- **Suitable for vacant land**
- **Variable and lump sum repayments**
- **Ability to increase loan amount (Loan Top Up)**
- **Extra repayments**

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Must be an Australian citizen or permanent resident
- **Lending criteria, terms and conditions apply**
- **Up to 95% of the valuation for owner occupied (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). Up to 92% of the valuation for investment (Lenders Mortgage Insurance applies for over 80% Loan to Valuation).**
- **New Lending Only**

## Constraints

- **Minimum limit** — $30,000.00

## More information from ORANGE CREDIT UNION LTD

- [Overview](https://www.bankorange.com.au/borrow/home-loans/all-home-loans/)
- [Terms & conditions](https://www.bankorange.com.au/about/corporate-information/disclosure-documents/)
- [Eligibility](https://www.bankorange.com.au/about/corporate-information/disclosure-documents/)
- [Fees & pricing](https://www.bankorange.com.au/quicklinks/rates-and-fees/)

## Data provenance

- Published by ORANGE CREDIT UNION LTD under the Consumer Data Right
- Product ID: `BASIC_HOME_LOAN`
- Last updated by the provider: 20 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/orange-credit-union-ltd/BASIC_HOME_LOAN
- Provider page: https://www.cdrcompare.au/brands/orange-credit-union-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000190

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/orange-credit-union-ltd/products/BASIC_HOME_LOAN) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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