---
title: "Premium Home Loan Variable — 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/PREMIUM_HOME_LOAN
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-09T09:30:25.000+10:00
---

# Premium Home Loan Variable — 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**

Premium Home Loan Variable

## At a glance

- **From (owner occupied):** 6.29% (6.34% 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 | 6.29% | 6.34% | <=60% LVR |
| Variable | 6.39% | 6.44% | 60.01-80% LVR |
| Variable | 6.59% | 6.64% | 80.01%+ LVR |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 1 year | 6.39% | 6.44% | <=60% LVR |
| Introductory · 2 years | 6.39% | 6.44% | <=60% LVR |
| Introductory · 3 years | 6.39% | 6.44% | <=60% LVR |
| Introductory · 4 years | 6.39% | 6.44% | <=60% LVR |
| Introductory · 5 years | 6.39% | 6.44% | <=60% LVR |
| Introductory · 1 year | 6.49% | 6.54% | 60.01-80% LVR |
| Introductory · 2 years | 6.49% | 6.54% | 60.01-80% LVR |
| Introductory · 3 years | 6.49% | 6.54% | 60.01-80% LVR |
| Introductory · 4 years | 6.49% | 6.54% | 60.01-80% LVR |
| Introductory · 5 years | 6.49% | 6.54% | 60.01-80% LVR |
| Introductory · 1 year | 6.79% | 6.84% | 80.01%+ LVR |
| Introductory · 2 years | 6.79% | 6.84% | 80.01%+ LVR |
| Introductory · 3 years | 6.79% | 6.84% | 80.01%+ LVR |
| Introductory · 4 years | 6.79% | 6.84% | 80.01%+ LVR |
| Introductory · 5 years | 6.79% | 6.84% | 80.01%+ LVR |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.54% | 6.59% | <=60% LVR |
| Variable | 6.64% | 6.69% | 60.01-80% LVR |
| Variable | 6.84% | 6.89% | 80.01+% LVR |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 1 year | 6.64% | 6.69% | <=60% LVR |
| Introductory · 2 years | 6.64% | 6.69% | <=60% LVR |
| Introductory · 3 years | 6.64% | 6.69% | <=60% LVR |
| Introductory · 4 years | 6.64% | 6.69% | <=60% LVR |
| Introductory · 5 years | 6.64% | 6.69% | <=60% LVR |
| Introductory · 1 year | 6.74% | 6.79% | 60.01%-80% LVR |
| Introductory · 2 years | 6.74% | 6.79% | 60.01-80% LVR |
| Introductory · 3 years | 6.74% | 6.79% | 60.01-80% LVR |
| Introductory · 4 years | 6.74% | 6.79% | 60.01-80% LVR |
| Introductory · 5 years | 6.74% | 6.79% | 60.01-80% LVR |
| Introductory · 1 year | 6.94% | 6.69% | 80.01+% LVR |
| Introductory · 2 years | 6.94% | 6.69% | 80.01+% LVR |
| Introductory · 3 years | 6.94% | 6.69% | 80.01+% LVR |
| Introductory · 4 years | 6.94% | 6.69% | 80.01+% LVR |
| Introductory · 5 years | 6.94% | 6.69% | 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

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

## Constraints

- **Minimum balance** — $30,000.00

## More information from ORANGE CREDIT UNION LTD

- [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: `PREMIUM_HOME_LOAN`
- Last updated by the provider: 8 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/orange-credit-union-ltd/PREMIUM_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/PREMIUM_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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