Orange Credit Union LtdPremium Home Loan Fixed 12 mths Interest Only Owner Occupied
Premium Home Loan Fixed 12 mths Interest Only Owner Occupied
At a glance
- Variable (owner occ. P&I)
- 6.54%
- Features
- offset, 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.54% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 69th lowest of 104, level with 5 others |
Rates
Every rate Orange Credit Union Ltd publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedCredit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $100,000 and up to 95% of property value. | Owner occupied, Interest only | 1 yr fixed | - | 6.54% | 6.55% | - |
| Variable | Owner occupied, P&I | - | - | 6.54% | - | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Oct 2026 | Variable, Owner occupied, P&I | 6.29% | 6.54% | 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.
- When you take it out$155MORTGAGE_ESTABLISHMENT_FEE
- While you hold itNo fee published
- 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
- Included in Relationship Rebate
- Can be used for building
- Interest only repayments (up to 5 years)
- Suitable for vacant land
- Partial split loan
Eligibility and limits
- Minimum age 18
- Residency: Must be an Australian citizen or permanent resident
- Minimum balance $30,000
- 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…
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Published by Orange Credit Union Ltd under the Consumer Data Right, last changed by them on 10 July 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.