Home Loans

We make it easy when you're buying your first home, securing an investment property or just refinancing your existing loan. We'll find the one that suits you.

Ready to make the move? Talk to one of our lenders.

Or, first home owners can enjoy $2,000 cash back with our Bare Essentials home loan.

Are you eligible for the first home owners grant? Let us help you get into your home sooner, with an exclusive offer for our Bare Essentials home loan1.

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Choose a home loan that's right for you

owner investment

The Works Package 2 year intro special

variable rate (P&I) home loan

Variable interest rate

1.99% p.a.

Comparison rate*

2.93% p.a.

For new owner occupied P&I home loans $150k and over

View comparison rate information

The Works Package 2 year fixed special

fixed rate (P&I) home loan

Fixed interest rate

1.99% p.a.

Comparison rate*

2.93% p.a.

For new owner occupied fixed home loans $150k and over

View comparison rate information

The Bare Essentials variable

variable rate (P&I) home loan

Variable interest rate

2.59% p.a.

Comparison rate*

2.64% p.a.

For owner occupied P&I home loans

View comparison rate information

The Bare Essentials fixed rate

3 year fixed rate (P&I) home loan

Fixed interest rate

2.40% p.a.

Comparison rate*

2.60% p.a.

For owner occupied fixed home loans

View comparison rate information

The standard variable

variable rate (P&I) home loan

Variable interest rate

3.64% p.a.

Comparison rate*

3.69% p.a.

For owner occupied P&I home loans

View comparison rate information

The standard fixed rate

3 year fixed rate (P&I) home loan

Fixed interest rate

3.25% p.a.

Comparison rate*

3.59% p.a.

For owner occupied fixed home loans

View comparison rate information

The Works Package 2 year intro special

variable rate (P&I) home loan

Variable interest rate

2.99% p.a.

Comparison rate*

3.74% p.a.

For new investment P&I home loans $150k and over

View comparison rate information

The Works Package 2 year fixed

fixed rate (P&I) home loan

Fixed interest rate

2.55% p.a.

Comparison rate*

3.60% p.a.

For new investment fixed home loans $150k and over

View comparison rate information

The Bare Essentials variable

variable rate (P&I) home loan

Variable interest rate

3.19% p.a.

Comparison rate*

3.24% p.a.

For investment P&I home loans

View comparison rate information

The Bare Essentials fixed rate

3 year fixed rate (P&I) home loan

Fixed interest rate

2.65% p.a.

Comparison rate*

3.12% p.a.

For investment fixed home loans

View comparison rate information

The standard variable

variable rate (P&I) home loan

Variable interest rate

4.30% p.a.

Comparison rate*

4.35% p.a.

For investment P&I home loans

View comparison rate information

The standard fixed rate

3 year fixed rate (P&I) home loan

Fixed interest rate

3.75% p.a.

Comparison rate*

4.21% p.a.

For investment fixed home loans

View comparison rate information


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important notes

^All loan repayments must be made from the Everyday Transaction account. The $6 monthly account keeping fee is waived while the home loan is held. Annual fee payable yearly.

For our complete package conditions review The Works Package Conditions of Use.

*Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is 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.

Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Credit Fees and Charges brochure

1Cashback Offer: $2,000 Cashback available for first home owners with an eligible Illawarra Credit Union home loan, approved between 17th February 2020 and 30th November 2020, with the loan settled by 21st December 2020. Offer may be varied or withdrawn at any time. Eligible Illawarra Credit Union home loan only includes the First Home Owners Bare Essentials home loan (Owner Occupied, P&I) with application amounts $150k and over. Must qualify for the First Home Buyers Assistance Scheme or First Home Owner Grant (New Home). See http://www.firsthome.gov.au/ for more information regarding state eligibility.

Eligibility Criteria: To be eligible for the cashback offer, customers must be approved for the First Home Owners Bare Essentials home loan by the 30th November 2020 and settled by the 21st December 2020. Home loan repayments must be direct debited from an Illawarra Credit Union transaction account. Read the Account and Access Facility Conditions of Use document to determine if the product is right for you. Fees and charges may apply. The cashback will be paid into an Illawarra Credit Union transaction account where the loan repayments are made from, within 60 days of settlement. The loan must not be in arrears at the time the cashback is provided. The transaction account must be kept open during this time. Only one (1) cashback will be paid regardless of the number of customers, properties or applications involved. If there is more than one (1) borrower, one (1) payment will be made to them jointly.

 

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We help you achieve financial success.

We offer great value and great service.

We are committed to building stronger communities.

It's our mutual difference #MakeTheMove.

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