Credit Union SA
1-Year Fixed Home Loan Principal and Interest
Our 1 year Fixed Rate Home Loan is perfect if you have a strict budget as you’ll know exactly what your repayments will be. Plus you pay no monthly.
Home loansBank updated 20 Aug 2026
At a glance
- Fixed
- 1 yr 7.09%
- Max LVR
- 97%
- Features
- redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · P&I | 1 yr fixed | — | 7.34% | 7.52% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | — | 7.09% | 7.27% | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Guarantor Application Fee | Event | $200 | — | — |
| Rate Lock Fee | Event | $600 | — | — |
| Split Loan Fee | Event | $100 | — | — |
| Split Loan Fee | Event | $150 | — | — |
| Application fee | Upfront | $600 | — | — |
| Application fee | Upfront | $600 | — | — |
| Application fee | Upfront | $600 | — | — |
§ 03 — Features
RedrawExtra repaymentsGuarantor option
- · Split Loans are available with eligible products
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian citizen or permanent resident
- · Maximum LVR 97%
- · Opening balance $20,000
§ 06 — Run the numbers
Put this product through a calculator
Published by Credit Union SA under the Consumer Data Right, last changed by them on 20 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.