Member First Credit Union

Home Loans

We understand that buying a home is probably the most important - and expensive - purchase you'll ever make. We have a range of mortgage options to fit your needs.

homeLoans

Standard Variable Rate Home Loan A fully featured loan at a great rate. Enables you to make extra repayments or withdrawals so you can manage your mortgage as you choose.
  • Fully-featured to suit your needs
  • Redraw available on any additional repayments made
  • And of course - no loan service fees or transaction account fees

7.34%pa
interest rate

7.40%pa
comparison rate *

Apply Now

 
12 Month Fixed Rate Home Loan Provides you with the peace of mind that comes from knowing that your rates and payments remain the same for a fixed period of 12 months.
  • The security of a fixed rate for 12 months
  • No penalty for early repayment unless during a fixed period
  • And of course - no loan service fees or transaction account fees

7.15 %pa
interest rate

7.38%pa
comparison rate *

Apply Now

 
24 Month Fixed Rate Home Loan Choosing this loan not only provides you with the security of a fixed rate, but also makes it easier for you to budget longer term!
  • Budget better with fixed repayments for 24 months
  • No penalty for early repayment unless during a fixed period
  • And of course - no loan service fees or transaction account fees

7.75 %pa
interest rate

7.48%pa
comparison rate *

Apply Now

 
100% Mortgage Offset Home Loan Reduce your repayments by reducing the balance of your loan by the balance of your savings account.
  • Save on interest with a 100% offset account
  • Flexible repayments to suit your income cycle
  • And of course - no loan service fees or transaction account fees

7.34%pa
interest rate

7.40%pa
comparison rate *

Apply Now

 

Additional Key Features

FEATURES  
Minimum Amount $50,000
Maximum Amount 80% of the property value;
95% of the property value with mortgage insurance
Loan Period 30 years
Repayments Monthly / Fortnightly / Weekly
Interest Charges Calculated daily, charged monthly
Application $100
Variable and Lump Sum Repayments Yes
Early Repayments (without penalty) Yes (assuming the loan is not in a fixed period)
Redraw Facility Yes
Property Valuations Required Yes
Monthly Account Keeping / Service Fees No
Automatic Repayments (salary / account) Yes
 

More Information

 

Apply

Apply for a home loan now Apply Now

Questions?

If you have any questions, please contact us Enquire Now

* 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.