Flexible Rate Home Loans

• No early repayment fees.

• You can re-borrow funds up to your approved credit limit anytime.

• You can make lump sum repayments at any time without penalty and reduce your interest costs.

• You may be able to combine all your debts into one loan and save interest costs.

Fixed Rate Home Loans

• No early repayment fees.

• Funds cannot be re-borrowed, although a new application for an additional loan amount may be allowed if certain lending criteria are met.

• You can make lump sum repayments at any time without penalty and reduce your interest costs.

Acceptable security

• A suitable property as determined by the Credit Union to hold a first mortgage over.

• Government Superannuation (GSF) or Police Superannuation (PSS) can be used as additional security to help cover the 20% deposit. A charge over your superannuation will be held by the Credit Union so you don’t have to cash in your superannuation.

Terms Available

You can have part fixed and part flexible to a maximum term of 30 years.