Special Offers
Variable Special Offer Home Loan for Owner Occupied and Investment Home Loans
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupied☉︎§︎ | 6.14% p.a. | 6.51% p.a. |
| Variable Home Loan Package Special Offer - Principal & Interest - Investment☉︎§︎ | 6.22% p.a. | 6.59% p.a. |
| Variable Home Loan Package Special Offer - Interest Only - Investment#☉︎^ | 6.52% p.a. | 6.95% p.a. |
| Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupiedµ︎★︎☉︎ | 6.19% p.a. | 6.56% p.a. |
| Variable Home Loan Package Special Offer - Principal & Interest - Investmentµ︎☉︎ | 6.29% p.a. | 6.66% p.a. |
| Variable Home Loan Package Special Offer - Interest Only - Investment#µ︎☉︎ | 6.59% p.a. | 6.98% p.a. |
Special Offer Low Deposit Variable Home Loan Package
| Product Name | Interest Rate | LVR | Comparison rate |
|---|---|---|---|
| Low Deposit Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupied☆︎☉︎ | 7.14% p.a. | 0.00% - 97.00% | 7.50% p.a. |
Owner Occupied Variable Rate Home Loans
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Discounted Variable Rate Home Loan - Principal & Interest - Owner Occupied★︎☉︎ | 7.04% p.a. | 7.07% p.a. |
| Discounted Variable Rate Home Loan - Interest Only - Owner Occupied#☉︎ | 7.84% p.a. | 7.42% p.a. |
| Standard Variable Rate Home Loan - Principal & Interest - Owner Occupied★︎☉︎ | 7.24% p.a. | 7.29% p.a. |
| Standard Variable Rate Home Loan - Interest Only - Owner Occupied#☉︎ | 9.39% p.a. | 8.37% p.a. |
Investment Variable Rate Home Loans
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Variable Home Loan Package - Principal & Interest - Investment☆︎☉︎ | 6.69% p.a. | 7.05% p.a. |
| Variable Home Loan Package - Interest Only - Investment#☆︎☉︎ | 6.99% p.a. | 7.16% p.a. |
| Discounted Variable Rate Home Loan - Principal & Interest - Investment☉︎ | 7.29% p.a. | 7.32% p.a. |
| Discounted Variable Rate Home Loan - Interest Only - Investment#☉︎ | 7.59% p.a. | 7.45% p.a. |
| Standard Variable Rate Home Loan - Principal & Interest - Investment☉︎ | 7.49% p.a. | 7.54% p.a. |
| Standard Variable Rate Home Loan - Interest Only - Investment#☉︎ | 7.79% p.a. | 7.67% p.a. |
Owner Occupied
Owner Occupied Fixed Home Loan Package
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Fixed Rate Package - 1 Year - Principal & Interest - Owner Occupied☆︎★︎☉︎ | 6.29% p.a. | 6.79% p.a. |
| Fixed Rate Package - 1 Year - Interest Only - Owner Occupied#☆︎☉︎ | 7.09% p.a. | 6.87% p.a. |
| Fixed Rate Package - 2 Year - Principal & Interest - Owner Occupied☆︎★︎☉︎ | 6.39% p.a. | 6.80% p.a. |
| Fixed Rate Package - 2 Year - Interest Only - Owner Occupied#☆︎☉︎ | 7.19% p.a. | 6.94% p.a. |
| Fixed Rate Package - 3 Year - Principal & Interest - Owner Occupied☆︎★︎☉︎ | 5.99% p.a. | 6.68% p.a. |
| Fixed Rate Package - 3 Year - Interest Only - Owner Occupied#☆︎☉︎ | 6.79% p.a. | 6.89% p.a. |
Investment Fixed Home Loan Package
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Fixed Rate Package - 1 Year - Principal & Interest - Investment☆︎☉︎ | 6.54% p.a. | 7.04% p.a. |
| Fixed Rate Package - 1 Year - Interest Only - Investment#☆︎☉︎ | 6.84% p.a. | 7.06% p.a. |
| Fixed Rate Package - 2 Year - Principal & Interest - Investment☆︎☉︎ | 6.64% p.a. | 7.04% p.a. |
| Fixed Rate Package - 2 Year - Interest Only - Investment#☆︎☉︎ | 6.94% p.a. | 7.09% p.a. |
| Fixed Rate Package - 3 Year - Principal & Interest - Investment☆︎☉︎ | 6.24% p.a. | 6.92% p.a. |
| Fixed Rate Package - 3 Year - Interest Only - Investment#☆︎☉︎ | 6.54% p.a. | 6.99% p.a. |
Owner Occupied Fixed Rate Home Loans
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Fixed Rate Home Loan - 1 Year - Principal & Interest - Owner Occupied★︎☉︎ | 7.09% p.a. | 7.27% p.a. |
| Fixed Rate Home Loan - 1 Year - Interest Only - Owner Occupied#☉︎ | 7.89% p.a. | 7.36% p.a. |
| Fixed Rate Home Loan - 2 Year - Principal & Interest - Owner Occupied★︎☉︎ | 7.19% p.a. | 7.28% p.a. |
| Fixed Rate Home Loan - 2 Year - Interest Only - Owner Occupied#☉︎ | 7.99% p.a. | 7.44% p.a. |
| Fixed Rate Home Loan - 3 Year - Principal & Interest - Owner Occupied★︎☉︎ | 6.79% p.a. | 7.16% p.a. |
| Fixed Rate Home Loan - 3 Year - Interest Only - Owner Occupied#☉︎ | 7.59% p.a. | 7.39% p.a. |
Investment
Investment Fixed Rate Home Loans
| Product Name | Interest Rate | Comparison rate |
|---|---|---|
| Fixed Rate Home Loan - 1 Year - Principal & Interest - Investment☉︎ | 7.34% p.a. | 7.52% p.a. |
| Fixed Rate Home Loan - 1 Year - Interest Only - Investment#☉︎ | 7.64% p.a. | 7.56% p.a. |
| Fixed Rate Home Loan - 2 Year - Principal & Interest - Investment☉︎ | 7.44% p.a. | 7.53% p.a. |
| Fixed Rate Home Loan - 2 Year - Interest Only - Investment#☉︎ | 7.74% p.a. | 7.59% p.a. |
| Fixed Rate Home Loan - 3 Year - Principal & Interest - Investment☉︎ | 7.04% p.a. | 7.41% p.a. |
| Fixed Rate Home Loan - 3 Year - Interest Only - Investment#☉︎ | 7.34% p.a. | 7.49% p.a. |
INFORMATION YOU SHOULD KNOW
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunion.atomix.dev/legal/terms-and-conditions/target-market-determination.
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Conditions, fees and lending criteria apply and are available on request. Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.§︎
Offer available for new Principal and Interest loans with minimum new borrowings of $150,000 or more, where the loan to value ratio is 60% or less. Annual Package fee of $395 applies.#
Interest only interest rates apply when you request to only repay interest charges on your loan. Interest only is only available where the loan to value ratio is 80% or less. For construction loans, you will only be charged interest only rates if, after your constructions period, your repayments will not be principal and interest repayments.^
Offer available for new Interest Only loans with minimum new borrowings of $150,000 or more, where the loan to value ratio is 60% or less. Annual Package fee of $395 applies.µ︎
The Variable Home Loan Package Special offer require minimum new borrowings of $150,000 or more where the loan to value ratio is 80% or less. Annual package fee of $395 applies.★︎
Available for Family Home Guarantee (FHG) and First Home Guarantee (FHBG) participants who meet the scheme eligibility requirements of Housing Australia Scheme Loans. Interest Only only available for construction, after your construction period your loan will revert to principal and interest.☆︎
Available where the loan to value ratio is 97% or less, including capitalised LMI. For package loans, minimum loan amount of $150,000 and an annual package fee of $395 applies.