ORANGE CREDIT UNION LTD
Basic Variable Rate Home Loan
Basic Variable Rate Home Loan
Home loansBank updated 20 Aug 2026
At a glance
- Variable (owner occ. P&I)
- 6.04% · 6.09% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
§ 01 — Rates · 18
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Introductory | Owner occupied · Interest only | 1 yr intro | ≤60% LVR | 6.14% | 6.19% | — |
| Introductory | Owner occupied · Interest only | 1 yr intro | 60–80% LVR | 6.24% | 6.29% | — |
| Introductory | Owner occupied · Interest only | 1 yr intro | >80% LVR | 6.44% | 6.49% | — |
| Introductory | Owner occupied · Interest only | 2 yrs intro | ≤60% LVR | 6.14% | 6.19% | — |
| Introductory | Owner occupied · Interest only | 2 yrs intro | 60–80% LVR | 6.24% | 6.29% | — |
| Introductory | Owner occupied · Interest only | 2 yrs intro | >80% LVR | 6.44% | 6.49% | — |
| Introductory | Owner occupied · Interest only | 3 yrs intro | ≤60% LVR | 6.14% | 6.19% | — |
| Introductory | Owner occupied · Interest only | 3 yrs intro | 60–80% LVR | 6.24% | 6.29% | — |
| Introductory | Owner occupied · Interest only | 3 yrs intro | >80% LVR | 6.44% | 6.49% | — |
| Introductory | Owner occupied · Interest only | 4 yrs intro | ≤60% LVR | 6.14% | 6.19% | — |
| Introductory | Owner occupied · Interest only | 4 yrs intro | 60–80% LVR | 6.24% | 6.29% | — |
| Introductory | Owner occupied · Interest only | 4 yrs intro | >80% LVR | 6.44% | 6.49% | — |
| Introductory | Owner occupied · Interest only | 5 yrs intro | ≤60% LVR | 6.14% | 6.19% | — |
| Introductory | Owner occupied · Interest only | 5 yrs intro | 60–80% LVR | 6.24% | 6.29% | — |
| Introductory | Owner occupied · Interest only | 5 yrs intro | >80% LVR | 6.44% | 6.49% | — |
| Variable | Owner occupied · P&I | — | ≤60% LVR | 6.04% | 6.09% | — |
| Variable | Owner occupied · P&I | — | 60–80% LVR | 6.14% | 6.19% | — |
| Variable | Owner occupied · P&I | — | >80% LVR | 6.34% | 6.39% | — |
§ 02 — Fees · 3
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| SWITCH_FEE | Event | $250 | — | — |
| LOAN_SECURITY_DISCHARGE_FEE | Exit | $200 | — | — |
| MORTGAGE_ESTABLISHMENT_FEE | Upfront | $155 | — | — |
§ 03 — 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)
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be an Australian citizen or permanent resident
- · Amount $30,000 to 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
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by ORANGE CREDIT UNION LTD 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.