XL Interest Only Home Loan Package
Our Variable Home Loan Package is designed for those wanting an extended home loan term. XL Interest Only Home Loan Package products are available for terms 31 to 40 years, for construction purposes, for properties located in South Australia. Lending criteria applies and a suitability assessment will be completed as part of the application process. The Credit Union SA Variable Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395.
- Max LVR
- 97%
- Features
- offset, redraw, extra repayments
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied · Interest only | — | 1–60% LVR | 6.04% | 6.40% | — |
| Variable | Owner occupied · Interest only | — | 60–80% LVR | 6.24% | 6.47% | — |
| Variable | Owner occupied · Interest only | — | 80–97% LVR | 6.99% | 7.34% | — |
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Guarantor Application Fee | Event | $200 | — | — |
| Increase an existing home loan package | Event | No fee | — | — |
| Split Loan Fee | Event | $100 | — | — |
| Split Loan Fee | Event | $150 | — | — |
| Annual fee | Periodic | $395 | — | — |
| Progress Payment fee | Upfront | $750 | — | — |
| Settlement fee | Upfront | No fee | — | — |
- · Unlimited fee-free additional repayments
- · No loan application or monthly fee
- · Split Loans are available with eligible products
- · Minimum age 18
- · Residency: Australian citizen or permanent resident
- · Maximum LVR 97%
- · Opening balance $150,000
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Published by Credit Union SA under the Consumer Data Right, last changed by them on 17 Sept 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.