The Finance Algorithm
Orange Credit Union Ltd logoOrange Credit Union Ltd

Basic Variable Rate Home Loan

Basic Variable Rate Home Loan

Home loansBank updated 7 Oct 2026
Apply at Orange Credit Union Ltd ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (owner occ. P&I)
6.29%6.34% comparison
Max LVR
80%
Features
redraw, extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This home loan: 6.39%Every other institution's lowest, 103 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
Variable home loanOwner occupier, principal & interest, 80% LVR6.39%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions54th lowest of 104, level with 5 others

Rates

Every rate Orange Credit Union Ltd publishes for this home loan, 18 in all.

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

  1. ≤60%6.29%
  2. 60–80%6.39%
  3. >80%6.59%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
IntroductoryOwner occupied, Interest only1 yr intro≤60% LVR6.39%6.44%-
IntroductoryOwner occupied, Interest only1 yr intro60–80% LVR6.49%6.54%-
IntroductoryOwner occupied, Interest only1 yr intro>80% LVR6.69%6.74%-
IntroductoryOwner occupied, Interest only2 yrs intro≤60% LVR6.39%6.44%-
IntroductoryOwner occupied, Interest only2 yrs intro60–80% LVR6.49%6.54%-
IntroductoryOwner occupied, Interest only2 yrs intro>80% LVR6.69%6.74%-
IntroductoryOwner occupied, Interest only3 yrs intro≤60% LVR6.39%6.44%-
IntroductoryOwner occupied, Interest only3 yrs intro60–80% LVR6.49%6.54%-
IntroductoryOwner occupied, Interest only3 yrs intro>80% LVR6.69%6.74%-
IntroductoryOwner occupied, Interest only4 yrs intro≤60% LVR6.39%6.44%-
IntroductoryOwner occupied, Interest only4 yrs intro60–80% LVR6.49%6.54%-
IntroductoryOwner occupied, Interest only4 yrs intro>80% LVR6.69%6.74%-
IntroductoryOwner occupied, Interest only5 yrs intro≤60% LVR6.39%6.44%-
IntroductoryOwner occupied, Interest only5 yrs intro60–80% LVR6.49%6.54%-
IntroductoryOwner occupied, Interest only5 yrs intro>80% LVR6.69%6.74%-
VariableOwner occupied, P&I-≤60% LVR6.29%6.34%-
VariableOwner occupied, P&I-60–80% LVR6.39%6.44%-
VariableOwner occupied, P&I->80% LVR6.59%6.64%-

Rate changes

18 changes logged, newest first.

DateRateWasNowChange
8 Oct 2026Introductory, Owner occupied, Interest only, 1 yr intro, ≤60% LVR6.14%6.39%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 1 yr intro, 60–80% LVR6.24%6.49%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 1 yr intro, >80% LVR6.44%6.69%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 2 yrs intro, ≤60% LVR6.14%6.39%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 2 yrs intro, 60–80% LVR6.24%6.49%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 2 yrs intro, >80% LVR6.44%6.69%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 3 yrs intro, ≤60% LVR6.14%6.39%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 3 yrs intro, 60–80% LVR6.24%6.49%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 3 yrs intro, >80% LVR6.44%6.69%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 4 yrs intro, ≤60% LVR6.14%6.39%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 4 yrs intro, 60–80% LVR6.24%6.49%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 4 yrs intro, >80% LVR6.44%6.69%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 5 yrs intro, ≤60% LVR6.14%6.39%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 5 yrs intro, 60–80% LVR6.24%6.49%up 0.25
8 Oct 2026Introductory, Owner occupied, Interest only, 5 yrs intro, >80% LVR6.44%6.69%up 0.25
8 Oct 2026Variable, Owner occupied, P&I, ≤60% LVR6.04%6.29%up 0.25
8 Oct 2026Variable, Owner occupied, P&I, 60–80% LVR6.14%6.39%up 0.25
8 Oct 2026Variable, Owner occupied, P&I, >80% LVR6.34%6.59%up 0.25

Each change is logged the night it appears in the rates Orange Credit Union Ltd publishes. See how every lender answered the RBA on the rate tracker.

Fees

3 fees published, grouped by when they're charged.

  1. When you take it out$155MORTGAGE_ESTABLISHMENT_FEE
  2. While you hold itNo fee published
  3. When you close it or pay it off$200LOAN_SECURITY_DISCHARGE_FEE

When you take it out1

  • MORTGAGE_ESTABLISHMENT_FEE
    $155

When particular things happen1

  • SWITCH_FEE
    $250

When you close it or pay it off1

  • LOAN_SECURITY_DISCHARGE_FEE
    $200

Features

RedrawExtra repayments
  • Included in Relationship Rebate
  • Can be used for building
  • Early repayments without penalty
  • Easy to apply for loan
  • Interest only repayments (up to 5 years)
  • Suitable for vacant land
  • Variable and lump sum repayments
  • Ability to increase loan amount (Loan Top Up)

Eligibility and limits

  • Minimum age 18
  • Residency: Must be an Australian citizen or permanent resident
  • Amount from $30,000, no maximum
  • Lending criteria, terms and conditions apply
  • Up to 95% of the valuation for owner occupied (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). Up to 92% of the valuation for investment (Lenders Mortgage Insurance applies for ov…
  • New Lending Only

Published by Orange Credit Union Ltd under the Consumer Data Right, last changed by them on 7 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.