Credit Union SA
Standard Variable Rate Home Loan Interest Only
Our Standard Variable Rate Home Loan is ideal for those seeking significant flexibility – a rate that moves with the market and many convenient features.
Home loansBank updated 29 June 2026
At a glance
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · Interest only | — | — | 7.74% | 7.65% | — |
| Variable | Owner occupied · Interest only | — | — | 9.14% | 8.25% | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Guarantor Application Fee | Event | $200 | — | — |
| Increase an existing standard variable rate home loan | Event | $300 | — | — |
| Split Loan Fee | Event | $100 | — | — |
| Split Loan Fee | Event | $150 | — | — |
| Application fee | Upfront | $600 | — | — |
| Settlement fee | Upfront | $300 | — | — |
§ 03 — Features
Offset accountRedrawExtra repayments
- · Split Loans are available with eligible products
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian citizen or permanent resident
- · Maximum LVR 80%
- · 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 29 June 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.