Credit Union SAInterest Only 40 Year Home Loan Package
Our Variable Home Loan Package is designed for those wanting an extended home loan term. Interest Only 40 Year 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.
At a glance
- Max LVR
- 97%
- Features
- offset, redraw, extra repayments
Rates
Every rate Credit Union SA publishes for this home loan, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied, Interest only | - | 1–60% LVR | 6.29% | 6.65% | - |
| Variable | Owner occupied, Interest only | - | 60–80% LVR | 6.34% | 6.70% | - |
| Variable | Owner occupied, Interest only | - | 80–97% LVR | 7.24% | 7.59% | - |
Fees
7 fees published, grouped by when they're charged.
- When you take it outUp to $7502 fees, each listed below
- While you hold it$395Annual fee
- When you close it or pay it offNo fee published
When you take it out2
- Progress Payment fee$750
- Settlement feeNo fee
While you hold it1
- Annual fee$395
When particular things happen4
- Guarantor Application Fee$200
- Increase an existing home loan packageNo fee
- Split Loan Fee$100
- Split Loan Fee$150
Features
- Unlimited fee-free additional repayments
- No loan application or monthly fee
- Split Loans are available with eligible products
Eligibility and limits
- 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 8 Oct 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.